1 Mobile Banking Applications Premier Members Mobile User Guide 1.0 P REMIER MEMBERS MOBILE BASICS Mobile Banking allows the user to access their account information via mobile smartphone or tablet either with an Android application or an Apple iphone/ipad application. The user will be able to view account transactions, make transfers both within their account and to their cross accounts setup by request with PMCU staff. The user may also: Make Mobile Check Deposits Pay Bills via integrated Bill Pay (synced with Online Banking) Link other Account Numbers that the user is Primary or Joint on under one Login Make Person- To- Person Payments via or phone number Locate the nearest ATM, Branch, or Shared Service Center Set Rate Watch Alerts Set Account Alerts/Notifications Text Banking Members can download the Application for an Apple phone or tablet from the Apple App Store: And for any Android phone or tablet from Google Play:
2 If you do not have one of these devices you can still access the Application by pointing your mobile web browser to: pmcu.mobi however functionality will be limited and not all features of Premier Members Mobile will be available. 1.1 Main Menu System The Main Menu System within Premier Members Mobile is setup differently for different devices. It can be found along the bottom of the app for Apple iphones: And for Apple tablets such as the ipad:
3 The main menu can be found along the top of the app for Android phones:
4 And Android tablets: 2.0 SECURITY With Premier Members Mobile you are protected with the latest and most advanced technology: All transactions and data exchanges are encrypted Multi- Factor Authentication Challenge Question Security Out- of- band enrollment Most importantly, no user authentication or account information is permanently stored on your mobile device and is deleted immediately and completely when you quit the application. For these reasons, even if you lose your phone, your account information is still secure. As you would normally do, contact your mobile carrier if your phone is lost or stolen and they will suspend your service. A valid User ID and Password is required to access account information via Premier Members Mobile. If your mobile device is stolen, no one can access your account information without your credentials. Please Note: You should not store confidential information on your mobile device at anytime. Do not store account numbers or passwords on your mobile device. With Premier Members Mobile your private data and account information is NEVER stored on your phone, so you can rest assured that your account information is not at risk when your device is
5 lost is stolen. As a precautionary measure, it is also recommended that you call PMCU to have member support unenroll your Premier Members Mobile account until you have acquired a new device and are able to download and re- enroll in PMCU Mobile on your new device. 3.0 LOGIN SCREEN FEATURES The Login Screen of Premier Members Mobile is your Home screen for Mobile Banking. Use this screen to login directly to your account information once you have created a Mobile Account profile. Additionally, you may access ATM/Branch locations, access PMCU rates, or contact PMCU directly via phone or without logging in.
6 If it is your first time logging into Premier Members Mobile, setup your mobile account and profile by clicking on the Create Mobile Account button on the Login screen. If you have already setup your Mobile User ID and Password, and are ready to begin banking, then enter your login information, otherwise proceed to section 4.0 in this User Guide for instructions on how to enroll. Please Note: If you have an Online Banking profile already or previously used an older version of Mobile Banking, those credentials will NOT work in Premier Members Mobile. You will need to setup a User ID and Password specific to Mobile Banking.
7 The Login Screen also gives you visibility to your account with the swipe of your finger. By pulling down on the login screen you can see your most recent balance quickly without having to enter your username and password. 4.0 ENROLLMENT To enroll, launch the Premier Members Mobile app from your device. On the home screen select the Create Mobile Account button. Please Note: Upon first use ALL users must enroll in order to use Premier Members Mobile. Login information from PMCU s previous version of Mobile Banking or Online Banking will not allow you access. You will need to setup a new mobile banking profile and credentials specific to Premier Members Mobile.
8 After entering in your account number, indicate whether or not you already have an Online Banking account. While an Online Banking account is NOT a requirement for Mobile Banking Enrollment, it will streamline the enrollment process. In choosing this option you will be presented a few of your security challenge questions that you setup previously in Online Banking. If you can t remember you re the answers to your Online Banking security questions, back out of the screen and select the I do not have Online Banking account option. In doing so, you will be asked some additional information to validate your enrollment.
9 As you proceed through the enrollment process you will be required to answer a series of questions to confirm your identity and setup your Mobile Banking profile information, such as your User ID, password, and Mobile Phone number. Please Note: Your Password is required to be between 4-32 characters in length.
10 You will also be asked to setup your security challenge questions and answers. The side- by- side screenshots below display all of the items you will be asked to enter. Additionally, you will be provided the opportunity to nickname each of your accounts. These nicknames are limited to 7
11 characters. Once you are finished setting up your new mobile profile, check your for the enrollment verification message. This is simply an added security measure. By clicking on the link in this you will activate your account, and be able to login to Premier Members Mobile for the first time. If you don t receive the verification within 5 minutes, check your spam folder. If the hasn t arrived, give us a call at to verify that your address is correct in our system and have a Member Service Representative activate your account for you.
12 5.0 BANKING 5.1 Account and Transaction Details Premier Members Mobile is designed to give you access to all of your account information whether they are deposits, loans, credit cards or mortgages. Please note that currently, transaction information is NOT available for your credit card or mortgage accounts, however you may make payments/transfers to those accounts from within Premier Members Mobile. We have also included a unique feature where you can link other account numbers that you are either primary or joint on under one login/user ID. Linking your accounts will allow you to see all of your accounts in one session. More information on this feature is available in this User Guide in the 9.0 Linked Accounts section. In order to access information on your accounts click on any account within the list that appears upon login.
13 After clicking on an account you will see a detailed history of the transactions that have occurred within that specific account: To find out more about a specific transaction click on that item in your history and a pop- up message will display the specific details of the transaction including a full description of the item.
14 Please Note: (Credit Cards/Mortgages) You will be able to see some details including balances, due dates, and payment amount due on your existing credit card and mortgage accounts within your account listing. Transactions on these account types are currently not available for viewing. However, you will be able to make payments to these accounts via the Transfer Funds tab.
15 5.2 Balance Transfers
16 To process a transfer between any of your accounts, start by selecting the account you want the funds to come out of and then select the account you want the funds to go into. Enter in your amount and select the Transfer button to complete the transaction. Once the transfer is complete, you will receive a confirmation screen listing the details of your transfer. Additionally, the transaction will show up in your account history as a Home Banking item. Please Note: In order to process cross- account transfers, you will still need to ensure this is setup and approved on PMCU systems with a Member Service Representative at PMCU. If you have already set up these cross- account transfer abilities then all of these account options will be available to you in the Transfer To option.
17 If you have linked other accounts that you are primary or joint on into your Premier Members Mobile login, you still must ensure that these accounts are setup as cross- account transfer accounts with a PmCU staff member prior to being able to access these linked accounts for transfers. 6.0 BILL PAY 6.1 Bill Pay Enrollment To get started with Bill Pay access the Bill Pay module from the menu screen and agree to the Terms & Conditions. Next select the Checking account you wish to tie to your Bill Payments (you must have a Checking account in order to use Bill Pay). If you are already enrolled in Bill Pay within Online Banking and already have at least ONE Payee, then you may skip this step. All of your existing payees and payments will already be accessible on Premier Members Mobile. Additionally, the two systems are synced, so everything you see and do in Premier Members Mobile will also be available in Online Banking and vice versa.
18 Example: All of your existing payees will already be available: You may expand the details on each individual payee by clicking on the + next to each payee s name. The menu system along the top of Bill Pay contains the following options: Payees Pull up a list of your payees like in the screenshot above Make Payment Make a one- time or recurring payment to an existing payee Add Payee Add a new Payee
19 6.2 Add Payee Once you are enrolled via Online Banking, you are ready to open the Bill Pay module on Premier Members Mobile and setup your payees. If you have already setup payees within Online Banking, your list of payees will already be available. To add a payee you will need to have the following payee information on hand: Name Address Account Number Category (User specified You may choose whatever category you think best represents the payee.)
20 After you have successfully added a payee, the payee will appear in your Payees list. By clicking on the + symbol to the right of the Payee, you can view all of the options available to you for that specific payee: Your options in the screenshot above include: Payee Details Name, Nickname, Address, Account Number, Etc. Payee History View the payee s payment history Pay this Payee Make a payment to the payee Edit Payee Edit the Payee Details of the Payee Delete Payee Delete the Payee from your Bill Pay
21 6.3 Making and Scheduling Payments Once your payee has been added, you may now setup a Payment Schedule for this payee. You can choose either a One Time Payment or a Recurring Payment interval.
22 Once you have made your selection, then you are ready to make a payment to the payee: On the Payment screen enter in the Payee and which account you want the funds to be paid from. Next, enter the Amount and Deliver By date. And then, the frequency and installment details. After you click Pay, you will receive a confirmation screen.
23 6.4 Editing and Cancelling Payments Visit the Payee History for the bill payment you want to edit or cancel and select that payment: On the next screen choose Edit to modify the payment details (date, amount, etc.) or choose Cancel to delete the payment entirely:
25 7.0 MOBILE DEPOSIT To make a mobile check deposit, select the account that you want the funds to go into. Next, enter the amount of the check. And lastly, you will need to digitally capture the check in order to complete your deposit. If you have issues with this process, simply click on the Tips and Instructions link for additional information. To take a photo of your check, click on the example front check image. This will open the camera on your device. Align the front of your check in the camera screen and hit Take Picture. The image of your check will now appear in the image space.
26 Repeat these steps for the back of the check. Please make sure to endorse your check and write your account number on the back prior to taking the picture of the back of your check. To complete the transaction select the Submit button. When the transaction has successfully processed, you will receive a confirmation message and the deposited check will show up in your Mobile Deposit History within the Mobile Deposit module. Mobile Deposit is a convenience- based service in order to save the user the time involved from visiting an ATM or Branch to make a deposit. Your funds will be subject to the same holds and availability of funds as a check deposited in one of our branches. Please read the confirmation message after submitting your mobile deposit carefully for details.
27 8.0 EWALLET MOBILE P AYMENTS T ECHNOLOGY The ewallet module is designed to introduce mobile payments technology. And as technology advances around us, this module will quickly become your favorite feature of Premier Members Mobile. P2P (Person- to- Person) Payments This feature of our mobile app is our first offering of mobile payments technology. The P2P Payments feature of the Mobile Wallet allows you to pay any person or business directly with only their address or mobile number without ever exchanging financial information. This feature allows you to send payments electronically and allows the recipient to receive their cash immediately. After accepting the Terms & Conditions you will be asked to enter in the address that you would like associated with your P2P Payments.
28 The homepage for P2P offers two options Make P2P Payment and P2P Transaction History. Use this screen to make and view all of your P2P transactions. To make a Person- to- Person Payment select the Debit Card linked to the Checking Account you wish to pull the money from.
29 - On the Payment screen enter in the information for the person receiving the money including: Their Address OR
30 Their Mobile Number (no dashes) Amount of money being transferred Memo for the transaction (optional) Please Note: You only have to enter an address OR a phone number. You do not have to enter both in order to make a P2P payment.
31 On the following screen you will be required to enter in the PIN associated with the Debit Card you initially chose at the beginning of the transaction. o For added security, the PINPad is protected by an added level of encryption. As a result, the PINPad will shuffle the numbers each time you enter one of your four PIN digits.
32 A confirmation screen will display all of the vital information previously submitted for the transaction. If an item of information is incorrect select No and return to the transaction to make the corrections. If the summary is correct select Yes to proceed.
33 When the transaction has been completed a final pop- up window will appear indicating a successful payment. P2P Recipient Instructions: Upon receipt of transferred funds, the recipient will receive an providing information about the transaction. Included in this information is a link for our online system to retrieve funds.
34 The recipient will be asked to fill in information including: First Name Last Name Debit Card Information/Checking Account Information Please Note: Some financial institutions may have restrictions on the type of transactions they will allow on external transfers. If the Debit Card option is not accepted, choose to use checking account and try again.
35 After selecting the Submit button a Payment Details screen will provide information on the payment just processed.
36 Funds will be removed from the sender s account immediately and will be available to the recipient in 1 business day if received via the Debit Card option and 1-3 business days if received via the Checking Account option.
37 9.0 LINKED ACCOUNTS If you would like to link other account numbers under one Premier Members Mobile login that you are either primary or joint on, then you may do so with the Linked Accounts feature. Access the Services module from the menu system and select Add New Account Number in order to add other account numbers on one User ID Premier Members Mobile profile.
38 Enter in the account number you wish to link that you are primary or joint on. You can always choose to delete these accounts later if you decide you no longer want to view them by choosing the Delete Account Numbers option within the Services module.
39 10.0 ATM/BRANCH LOCATOR From either the Login Screen or the More Module, select the ATM/Branch option to pull up PMCU locations either nearby your current location or near a zip code you specify.
40 In order to search for nearby ATM/Branch locations:
41 Choose your search area either near your current location using the GPS on your device, or by entering a specific Zip Code. Then select the kind of access you need, whether it s a surcharge- free ATM, deposit- taking ATM, service center, or local branch. You can view results on an interactive map or in a list format with available details included by clicking on the + to expand the details for your chosen location.
43 11.0 R ATE W ATCH N OTIFICATIONS From either the Login Screen or within the Rates module you have access to 10 of PMCU s most popular deposit and loan product rates. These products are displayed here:
44 To set a Rate Watch Notification select the button located under the Rate you want to track. You will need to be logged into Premier Members Mobile in order to set a rate watch alert. Rates are viewable only prior to logging into your Premier Members Mobile account.
45 On the Set Rate Watch screen choose your trigger type and enter in the value that you want the application to alert you when that specification is met. Once finished, click the Submit button. You will be alerted via text when the value you defined is triggered.
46 12.0 SERVICES The Services module of Premier Members Mobile includes the ability to: Set Account Alerts/Notifications - Balance Notifications (If your balance on a specified account increases/decreases above certain amount) - Periodic Balance Notifications - Maturity Date Notifications - Check Cleared Notifications - Deposit Notifications - Debit Card Transaction Notifications - Personal Reminder Notifications - Rate Watch Notifications - Blackout Time Period for when NOT to receive notifications Text Banking Enable/Disable Change Password Change Security Questions and Answers Change Mobile Number Manage Account Nicknames Add/Delete Linked Account Numbers Delete Enrollment
47 12.1 Setup Alerts/Notifications On Your Accounts In order to setup alerts/notifications on your accounts, you must first access the Notifications button within the Services module. Premier Members Mobile can alert you via text with any one of the eight (8) types of notifications available under the Services Module.
48 In order to setup a balance notification, follow the steps below: Select the account that you want to be notified on. Select the type of notification you want by choosing between the options in the dropdown list. Common choices are Balance greater than or Balance less than. Enter the trigger amount you want Premier Members Mobile to alert you at. You will receive a confirmation screen when the Notification has been setup successfully. You will receive notifications via text based on the triggers you set up.
49 12.2 Text Banking You may choose to enable or disable text banking from within the Services module. Visit this section to view all of the commands available for Text Banking.
50 12.3 Managing Your Accounts Use this section within the Services Module to nickname your accounts and choose to Show or Hide them in your account listing within Premier Members Mobile.
51 On this screen choose 7 character names that might help you differentiate your deposit and loan accounts from each other: Click on the Save button after you have made your changes.
52 12.4 Managing Your Profile Details Use these sections in the Services module to: Change your password Change your security questions and answers Change your registered mobile phone number Delete your enrollment
53 12.5 Linked Account Numbers Within the Services module, you may also manage your linked account numbers by either adding or deleting account numbers from your Premier Members Mobile User ID. More information is available on this feature in Section 9.0 of this User Guide F REQUENTLY A SKED Q UESTIONS 13.1 General Questions 1. What is Mobile Banking Premier Members Mobile? Premier Members Mobile allows members to access their accounts (checking, savings, certificates, loans, credit cards, mortgages) from their mobile devices via downloaded applications or via mobile browser. 2. Is Mobile Banking secure? Yes, all transactions and data exchanges are encrypted using the latest technology and protected by multi- factor authentication such as challenge questions and encryption technology that verifies both the IP of the device and device credentials. No user authentication or account information is permanently stored in the mobile device. It is deleted when you quit the application. If you lose your phone, your account information is still secure. 3. Is there a fee for using Mobile Banking? No, there is no charge for Mobile Banking. However, mobile carriers may charge for Internet access and/or text messages. 4. How do I download and access Mobile Banking? Our mobile banking apps are available for download in the Google Play market for all Android based smartphones and tablets, and in the App Store for all iphone smartphones and ipad tablets. The applications on Google Play and in the App Store are the preferred way to access Mobile Banking as not all features, such as Mobile Check Deposit and ewallet, are available without downloading the apps from Google Play or the iphone App Store. 5. What if I do not have an iphone/ipad or Android based device? All other devices will need to access Mobile Banking by accessing pmcu.mobi via the Mobile Browser on their device. Please note that accessing via browser eliminates significant features and functionality from Premier Members Mobile (i.e. Mobile Deposit, ewallet, etc.).
54 6. Do I have to have Online Banking in order to use Mobile Banking? No. The services are not connected. They are effectively de- coupled from each other. You may choose to use either one or both to do your remote banking. 7. If I already downloaded and used your previous release of Mobile Banking, why can I not just receive an Update to the existing application through my iphone App Store or Android Google Play app store and upgrade the app via that method? Due to the extensive upgrades in the new Premier Members Mobile app, you must delete your old Mobile Banking app and download the new Premier Members Mobile app from your respective app store. 8. Will my old login credentials from either the old Mobile Banking or Online Banking work with the new Premier Members Mobile apps? No. You will need to setup new login credentials by clicking on Create Mobile Account from the new Premier Members Mobile s login screen. 9. What other features are available in Premier Members Mobile? In addition to being able to review all deposit and loan account information as well as make transfers between your accounts, other features include: Mobile Check Deposit, Bill Pay, ewallet/mobile Wallet functionality for mobile payments, ATM/Branch Locator, Account Alerts/Notifications, RateWatch alerts, and much more. 10. Can I access multiple account numbers under one login? Yes, a mobile user can link any account number that they are joint or primary on under one login with Premier Members Mobile Banking. This is a unique feature that will simplify banking for those members that have multiple account numbers with us. 11. What should I do if I forget my User ID or Password? You may request your User ID be texted to you by clicking on the Forgot User ID or Password link on the login screen. You will be asked to verify one of your security/challenge questions. If you cannot remember the answer or have forgotten your password, you will need to call member support at What do I do if I get a new phone or tablet? Simply download the Premier Members Mobile application to your new phone. All of your information and previous settings will be available. 13. What do I do if I lose my phone/tablet? As you would normally do, contact your mobile carrier if your phone is lost or stolen and they will suspend your service. A valid User ID and Password is required to access account information via Premier Members Mobile. If your mobile device is stolen, no one can access your account information without your credentials. Note: You should not store confidential information on your mobile device at anytime. Do not store passwords, account numbers or user IDs on your mobile device. With Premier Members Mobile your private data and account information is NEVER stored on your phone, so you can rest assured that your account information is not at risk when your device is lost is stolen. As a precautionary measure, it is also recommended that you call PMCU to have member support unenroll your
55 Premier Members Mobile account until you have acquired a new device and are able to download and re- setup Premier Members Mobile on your new device Enrollment 14. How do I enroll for Mobile Banking? After downloading the app from either the App Store or the Google Play market you need to click on Create Mobile Account on the Premier Members Mobile Login Screen. 15. Will my Online Banking User ID and Password work for Mobile Banking? No. The services are not connected, and thus you must register for each individually. However, you may choose to setup the same credentials that you use for Online Banking on Mobile Banking if you like. 16. Why does the app ask if I have or do not have an Online Banking account? The enrollment is simplified for members with an Online Banking account and by choosing this option they may save one extra step in the enrollment process by answering their Online Banking security challenge questions. 17. What if I can t remember my Online Banking security challenge questions? You may register by choosing that you DO NOT have an Online Banking account as well. Either method works. If you are having difficulty with enrollment due to forgetting your Online Banking challenge questions, then you may choose to register by selecting that you DO NOT have an Online Banking account. 18. I enrolled but my login information is not working. Why can t I access Premier Members Mobile? New users must also verify their enrollment via prior to being able to access. This is an important security feature. You will be sent a verification . If you do not receive this , call member support at We will confirm your identity, and activate your mobile account. When you call be sure we have your correct on file. Please make sure that the password you entered for your enrollment is between 4-32 characters. 19. Why can t I register multiple account numbers under the same (or one) unique Mobile Phone Number? Each registration or User ID must have a unique Mobile Phone Number associated to it; therefore you can only register one account/user ID per Mobile Phone Number. In order to setup a separate User ID for another account that you have, you must use a second mobile phone number, potentially from someone else in your family (wife, partner, mother, father, etc.) You might choose to use a Work Number, Home Phone Number, or Fax Number as well if you do NOT have a second mobile phone number to use. Please note, that if you use a phone number that cannot accept text messages, then you will not receive notifications/alerts on the User ID that are setup with this alternate phone number. 20. What other options are available to me if I only have or only want to use one Mobile Phone Number to register my accounts under? You will need to use the Linked Accounts feature which is under the Services module under Add New Account Number. Under this option you will be able to add all account numbers that you are primary or joint on and have them show up under one (1) User ID.
56 13.3 Banking & Transfers 21. What do I do if I am missing one of my share or loan types on an account? Please contact us immediately, so that we can correct this issue. 22. How much history is displayed on any share or loan account? Up to 30 days history can be displayed or requested by the mobile user. 23. How do I get additional detail on any transaction that is displayed in my account history? Simply click on the line containing the transaction and a pop- up will open providing additional detail on that transaction item such as date, time, and a more detailed description. 24. What is Balance Sneak Peek? This feature lets you see your most recent balance quickly without having to enter your username and password, simply swipe down on the login screen to see your account information at the top. To change the account shown in Sneak Peek go to the Manage Accounts section located in the Services module and select Choose Default Account. 25. What do I do if all of my accounts are displayed but the Transfer selection screen will not allow me to transfer to one of the accounts that I should be able to transfer to? You must have a cross- account transfer setup on the accounts in question. Please call member support at to verify that you are approved to transfer between these accounts. 26. Should I be able to see my Credit Card and Mortgage in my account list screen? Yes, not only should all credit cards and mortgages on an account be displayed, but you should be able to make payments to these accounts via the Transfers module. 27. How come I do not see my transactions for Credit Cards or Mortgages on my account? Currently, we cannot provide transaction information on Credit Cards and Mortgages, however we are working to provide these in the future. You should still be able to see your payment amount, due date, and balance on these accounts as well as make payment to them via Premier Members Mobile Transfers module. 28. Can I setup automatic/scheduled transfers? Currently you are not able to schedule or automate transfers. This functionality is under consideration as an enhancement in a future release. 28. I have Credit Cards and/or Mortgages on one of my accounts and they are not showing up? You will need to use the account number that has your Credit Cards and/or Mortgages on as your primary registration. This is the account that you should register and then you should link other account numbers you have to this account that do not have Credit Cards or Mortgages on. 29. What if I have Credit Cards and/or Mortgages on multiple accounts and my Credit Card/Mortgage is not showing up on the account that I am linking to my primary account under the User ID?
57 If you have Credit Cards/Mortgages on an account you are linking in you will NOT see these Credit Card/Mortgage accounts until early to mid- May. We are aware of the issue and have a fix in place, but are not rolling out this feature until May. PLEASE NOTE: You will ONLY be able to make payments to Credit Card/Mortgage accounts on your primary account under the User ID. Even after you are able to see Credit Card/Mortgage accounts on the accounts that you link in during early to mid- May, you will NOT be able to make payments to Credit Card/Mortgages that are on accounts that are linked in. 30. I cannot see a new deposit/loan account that I recently opened at the Credit Union. This new account was added AFTER I had already registered for Premier Members Mobile. Currently, new deposit/loan accounts that you open are set within Premier Members Mobile to Hide and will not show up in your account list. You can fix this by accessing the Services module and Manage Accounts. Within this screen you will see SHOW/HIDE listed next to your new account and simply need to change it to SHOW. We are currently working on a solution to reverse this programming and set the new accounts that you might open to SHOW initially. 29. Can I setup automatic/scheduled transfers? Currently you are not able to schedule or automate transfers. This functionality is under consideration as an enhancement in a future release Bill Pay 31. How do I enroll for Bill Pay if I have not previously used it on Online Banking OR I do not have an Online Banking profile? Currently, you MUST enroll for Bill Pay on Online Banking in order to use Bill Pay on Mobile Banking. This can be accomplished by logging into Online Banking, and clicking on the Bill Pay tab at the top of the screen and enrolling one of your Checking accounts into the service. You MUST have a Checking account and a Payee setup online in order to use Bill Pay. Please note that this solution is temporary. You will be able to enroll in Bill Pay without accessing Online Banking or having an existing Online Banking profile in the near future. 32. If I previously setup Bill Pay in Online Banking will all my Payees be available in Mobile Banking? Yes. Mobile and Online Banking sync with each other in regards to Bill Pay, so any change on one affects the other and will be displayed in the list of payees and scheduled and processed payments history. 33. How do I access my payment history on Mobile Banking? The history of processed and scheduled payments will be listed under Payee History in the menu listed under that respective payee. 34. How do I edit/cancel a payment I have already setup?
58 You may edit or cancel a payment by accessing the Payee History for that Payee and clicking on the payment you want to edit/cancel. On the screen that is displayed, you simply choose Edit to edit the payment details (date, amount, etc.) or Cancel to cancel the payment entirely Mobile Check Deposit 35. What is Mobile Check Deposit? Mobile Deposit allows you to deposit a check by taking a picture of both the front and the back of the check. You must still endorse the check and write your account number on the back beneath their signature. 36. How do I qualify to use Mobile Deposit? You must have been a member for at least 60 days and have an account in good standing with the Credit Union. This means that you must not be delinquent on any loan you have with PMCU or have an excessive amount of NSFs in a specified period. 37. What are the limits of usage of Mobile Deposit? You are limited to up to five (5) deposits daily that do not exceed $2,500 in total deposits and limited to up to twenty (20) check deposits monthly that do not exceed $10,000 in total deposits. 38. How long does it take for my deposited funds to become available to me in my account? Immediate availability on deposits is $200/day. Amounts over $200 will be held for 2 business days. 39. How do I verify that a check deposited successfully? The check will appear in the Deposit History option of the Mobile Deposit module in Mobile Banking ewallet 40. What is ewallet? The ewallet on Premier Members Mobile is a first generation Mobile Payments module that will eventually serve as your Mobile Wallet. Currently, the module features a Person- To- Person (P2P) payments system. We will be rolling additional Mobile Payments and Mobile Wallet features into this module as the technology becomes more accepted and used. 41. What is P2P Payments? This module allows you to pay any person or business directly with only their address or mobile phone number without exchanging financial information. 42. How long does it take for my transferred funds to become available to the recipient after they have picked up their money? Payments processed through a Checking account will process in 1-3 business days. Payments processed through a Debit Card are typically much faster and in most cases funds are available immediately depending on restrictions from the recipient s financial institution.
59 43. What are the limits of usage for Person- to- Person Payments? You are limited to payments that do not exceed $500 in a single transaction. Daily totals for P2P are also limited to $500 currently. 44. What if the recipient never receives notification of a payment sent? If your payment appears in the P2P Transaction History but the recipient has not received their notification: a.) Verify that your payment isn t showing as Pending. If this is the case your payment has failed, and you will need to submit your payment again; b.)verify that the recipient s address/phone number are correct in the transaction you submitted; c.) Have the recipient check their Spam/Junk Folder within the address used during the transaction. If the notification still cannot be found, contact , Option 2 for further assistance. 45. How do I see where my payment is? If the payment appears in the P2P Transaction History you can use the following terminology to determine what stage it is in currently: - Funded = A successful transaction that has not been picked up by the recipient - Disbursed = A successful transaction that has been picked up by the recipient - Pending = Transactions that have NOT gone through or that have failed 46. What if the Payment Retrieval System won t accept the Recipient s valid Debit Card information? Some financial institutions may have restrictions on the types of transactions they will allow on external transfers. If the Debit Card option is not accepted, the Recipient should choose the Use Checking Account option and try again by entering their routing number and checking account number Other Services 47. What type of account alerts or notifications can I set on my account? There is a wide array of notifications that can be sent in both a one- time and recurring format. These notifications are stored on your application and can be managed and deleted by you on an as needed basis. The notifications include: Balance Notifications, Periodic Balance Notifications, Maturity Date Notifications, Check Cleared Notification, Deposit Notification, Debit Card Notification, Personal Reminders, and Rate Watch Alerts. 48. What is the Blackout Period within the Notifications Module? This feature allows you to set a timeframe in which you do not want to receive text message notifications. Once the time period has elapsed, you will receive your notifications immediately. You might choose to set this timeframe from 10PM to 7AM so you don t receive text messages in the middle of the night. 49. How do I use Text Banking? You may sign- up for Text Banking either at Enrollment or from within the Services module of the application. In order to get a full list of commands on how to use Text Banking with PMCU, you can text: PMCU HELP to the following number: PMCU BAL = balance on default account PMCU BAL (+ nickname) = balance of a specific account PMCU HIST = account history for your default account PMCU HIST (+ nickname) = account history for a specific account
60 PMCU HELP = list of text commands and Member Services contact information PMCU STOP = cancel text message mobile banking service 50. How do I add account numbers that I am primary or joint on under one Premier Members Mobile Login? The user needs to access Add New Account Number module within the Service Module in order to link accounts. They will only be able to link accounts that they are primary or joint on. 51. How do I change my Account Nicknames? Account Nicknames may be changed by accessing Manage Accounts in the Services Module. Please note that at this time account nicknames are limited to 7 characters within the applications.