Managing your bills shouldn’t be complicated With PFCU’s online Bill Pay service, you can simplify your financial life and save valuable time. As a PFCU member, you have access to a powerful tool that puts all your payments in one convenient place
What is PFCU Bill Pay?
PFCU Bill Pay is an online service offered by PFCU (Portland Federal Credit Union) that allows members to pay bills electronically through their online banking platform. This service eliminates the need for paper checks, stamps, and trips to the post office.
With PFCU Bill Pay you can
- Receive and pay all your bills in one place
- Make payments directly from your checking account without writing checks
- Access your account 24/7 to pay bills quickly and conveniently
- Stay on top of your bills and avoid late fees
- Schedule payments in advance and set up payment reminders
- Track your checking account balance while making payments
- View your payment history all in one place
Benefits of Using PFCU Bill Pay
Save Time and Money
One of the biggest advantages of using PFCU Bill Pay is the savings. You’ll eliminate costs for:
- Stamps
- Paper checks
- Late fees due to forgotten payments
PFCU even provides an easy-to-use calculator to help you see how much you could save by switching to online bill pay!
Convenience Factor
With our busy lives, convenience is key. Bill Pay puts all your financial obligations in one place, accessible anytime from your computer or mobile device. No more juggling multiple websites or remembering different payment due dates.
Environmental Impact
By going paperless, your reducing your financial footprint and helping the environment. Less paper means fewer trees cut down and reduced carbon emissions from mail delivery.
How to Get Started with PFCU Bill Pay
Getting started with Bill Pay is simple if you’re already enrolled in PFCU Online Banking. If not, you’ll need to enroll first.
For New Online Banking Users:
- Visit PFCU’s enrollment page
- Click “Enroll Here” as a new user
- Enter your personal information (name, account number, social security number, date of birth, and zip code)
- Create a username of your choice
- Obtain a secure access code (SAC) via phone, SMS, or email
- Create a password following the requirements
- Review your profile information
- Agree to the financial tools disclaimer and login disclaimer
- You’ll be directed to your new online banking home page
For Existing Online Banking Users:
Once you’re logged into Online Banking, you can simply access Bill Pay through the services menu. PFCU will confirm your enrollment within 48 hours.
Using PFCU Bill Pay Features
Setting Up Payees
Before making payments, you’ll need to set up your billers or individuals you want to pay. This typically involves entering information like:
- Payee name
- Account number
- Payment address
- Phone number
Scheduling Payments
PFCU Bill Pay lets you schedule payments in several ways:
- One-time payments for bills due soon
- Recurring payments for regular bills (monthly, quarterly, etc.)
- Future-dated payments for upcoming expenses
Remember that payments will be processed within 2 to 5 business days, not including weekends or federal holidays. Plan accordingly to avoid late fees!
Payment Reminders
Never miss a payment again! Set up reminders to alert you when bills are coming due. These can be sent via email or displayed when you log in to your account.
Tips for Using PFCU Bill Pay Effectively
Monitor Your Account Balance
While Bill Pay makes it easy to schedule payments, you should still keep track of your checking account balance. If you pay a bill with insufficient funds, it will be handled like a regular NSF in your checking account.
Set Up eAlerts
PFCU offers eAlerts that can help you manage your accounts more effectively. You can set up notifications for:
- Account balances
- Direct deposits
- Transaction alerts
- Insufficient funds alerts
- Daily checking balances
- And more!
To set up eAlerts:
- Log in to PFCU Online Banking
- Select “Services” from the left menu
- Select “Alerts”
- Select “New Alert” at the top right of the screen
- Choose the alert you want to add and follow the prompts
Alerts can be delivered through email, voice message, text, push notification (on the app), or secure message within the app.
Combine with eStatements
For a fully paperless experience, consider signing up for PFCU eStatements. These electronic versions of your monthly statements are more secure and convenient than paper statements. You’ll receive an email notification when your statement is ready, and you can access up to 36 months of previous statements.
Troubleshooting and Support
If you encounter any issues while using PFCU Bill Pay, help is readily available:
- Call the dedicated support team at 1-844-825-1130 (Monday-Friday from 7:30 a.m. until 2:00 a.m. ET)
- Use the online chat feature during the same hours
- Contact PFCU directly at 844-517-3611
- Visit your local PFCU branch for in-person assistance
Important Notes About PFCU Bill Pay
- After a 6-month period of non-use, you may be removed from the Online Bill Pay system
- PFCU maintains your security by requiring your username and password to sign in
- Your personal information is protected by data encryption
- If you’re planning travel, be sure to submit a Travel Notification to ensure your debit or credit card works wherever you go
Is PFCU Bill Pay Right for You?
If you’re tired of writing checks, buying stamps, and worrying about whether your payment will arrive on time, PFCU Bill Pay is definitely worth considering. The convenience and cost savings make it a smart choice for most members.
I’ve been using PFCU Bill Pay for about a year now, and honestly it’s been a game-changer for me. No more forgetting to mail payments or realizing I’m out of stamps when a bill is due tomorrow! The peace of mind knowing everything is scheduled and tracked in one place is worth it alone.
Browser and System Requirements
To ensure optimal performance with PFCU’s Online Banking and Bill Pay services, make sure your device meets these requirements:
Operating Systems:
- Microsoft Windows 10 or Mac OS X 15
Supported Browsers:
- Chrome (v130.0+)
- Mozilla Firefox (v135.0+)
- Apple Safari (18.0+)
Note that Microsoft Edge and Internet Explorer are not supported.
Mobile Requirements:
- Android 14.x+
- iOS 17.x+
For biometric (fingerprint) mobile application, you’ll need:
- Samsung Galaxy S7 or later
- Google Nexus 7 or later
- Google Pixel first generation or later
Final Thoughts
PFCU Bill Pay is more than just a convenient way to pay bills—it’s a comprehensive financial management tool that helps you stay organized and in control of your finances. With features like payment scheduling, reminders, and history tracking, you’ll wonder how you ever managed without it.
Ready to simplify your financial life? Log in to your PFCU Online Banking account today and start exploring the benefits of Bill Pay!
For more information or assistance, contact PFCU at 844-517-3611, use their live chat support, or visit your local branch.
Pay at PFCU Branch
- Get a cash advance from other financial institutions credit or debit card from any teller in a PFCU Branch and complete your loan payment
- Visit any of our Shared Branching locations. You must have your your account and loan information to make your loan payment
Few things are more embarrassing than picking up the tab at dinner or paying a vendor only to have your card declined for lack of funds. PFCU’s Courtesy Pay has you covered with overdraft protection from your Michigan credit union. You won’t overdraft on your account or bounce a check because PFCU will pay for the shortage in funds up to an approved limit*. The limits vary for each individual account.
Loan Payment from External Financial Institution
- Log in to your PFCU Online Banking and select Menu from the bottom toolbar
- Select Services from the Menu
- Not currently enrolled in PFCU Online Banking? Enroll Here
- Select Add External Account
- Enter your external account number, including any prefixes/suffixes, as required by external financial institution
- Select the Account Type from drop down
- Enter your external institutions routing number
- Select Continue
This will initiate the micro-deposit process. If the above information was entered correctly and the account is legitimate and working, the external account will receive two deposits of less than a dollar. It typically takes 3-7 business days to receive the deposits.
- Once deposits have been received and recorded, return to your Online Banking Menu and select Services
- Select Verify External Account
- Select the external account that received the micro-deposits
- Enter the amounts received in the appropriate fields in the order they were deposited
- Select Continue
If the amounts entered are matched with the amounts received, a “success” message will display and the processing is complete. The external account is now available for transactional use.
- Please allow 3 – 5 business days to connect your external account
- Once your external account is connected, follow the instructions above to make a Loan Payment from Share
- Log in to your PFCU Online Banking and select Menu from the bottom Toolbar
- Select Loans from the Menu
- Not currently enrolled in PFCU Online Banking? Enroll Here
- Select Credit Card
- Select the card you want to make a payment on. This will take you to the eZCard site where you can register your card, view transactions and make a payment from any financial institution
How To: Schedule a Payment | Bill Pay
FAQ
What is PFCU mobile banking?
With PFCU Mobile Banking you can manage your finances anytime, anywhere! Need to transfer money while you’re out at lunch? Want to pay your bills from your couch? Don’t have time to run to the credit union after work? Our Mobile Banking provides 24/7 access to your accounts through your mobile device.
How do I pay my PFCU loan?
Along those lines, we also try to make the loan payment process almost effortless. If you’re paying with money from a PFCU account, we suggest a direct transfer from Online Banking. But if the funds are coming from another financial institution or outside source, you can fast-track them to us using our EZ Pay Online portal.
How do I move money from PFCU online banking?
To use this feature, simply go into “Move Money” from within PFCU Online Banking and Mobile App. You will be asked to provide your online banking credentials associated with the external account to complete the process once you’re within the Plaid environment.
What happens if I don’t use PFCU online bill pay?
After a 6-month period of non-use, you may be removed from the Online Bill Pay system. PFCU maintains your security by requiring your user name and password to sign in, and your personal information is protected by data encryption. Simply sign up for Online Bill Pay and then access the system after we confirm your enrollment within 48 hours.
Can I transfer money from another bank to PFCU?
With Plaid, you can now transfer money easily between your accounts and link an external bank/credit union account to PFCU. You will now be able to easily transfer funds from another financial institution to PFCU to pay your loan (s). To use this feature, simply go into “Move Money” from within PFCU Online Banking and Mobile App.
Does PFCU offer text-to-pay?
Save your funding source for future payments and set up text-to-pay. Best of all, this service is free. To access EZ Pay, log into PFCU’s online banking or our mobile app and select ‘EZ Pay’. Make a one-time payment by entering your debit card or bank account information each time you make a payment. There is a $2.95 fee for this service.
How do I pay through bill pay?
Log in to Online Banking and select the Bill Pay navigation tab. Select the biller for the eBill you wish to pay then enter the amount and choose the date you want the payment to be received by the biller. You can pay one or more eBills through Online Banking Bill Pay.
Does Philadelphia Federal Credit Union have a notary?
Notary Service
PFCU provides access to Notary Public and Medallion Signature Guarantee at all PFCU branches to members and Notary Public to non-members*. For more information about Notary Services offered at PFCU use our live chat support, contact us at 844-517-3611 or visit a branch location.
How to pay PFCU credit card?
You can make credit card payments in Online Banking or the PFCU Mobile Banking App by going to the Move Money tab.
Does PFCU do wire transfers?
Wire transfers are processed Monday – Friday, during regular business hours. There is a $5.00 charge for incoming wires. Click Here for instructions/information for the sender/payer to receive wire transfer in your account at PFCU. Funds can be wired worldwide to any financial institution capable of receiving them.
