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Business Online Services FAQs

Here's how to get the most of out of our services for your business.

In your world, efficiency is the name of the game. We've compiled this list of questions we hear most frequently about our online services so you can quickly find answers to keep things moving.

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Power Financial Credit Union uses software that incorporates full RSA data encryption to ensure security and privacy of transactions. We require the use of a secure browser to access your account online. Your browser must be equipped with SSL (Secure Socket Layer) with 128-bit encryption to communicate with our servers.

We have also added Enhanced Login Security which protects against online fraud by providing an additional authentication ‘factor’ beyond your username and password used today through the use of a one-time access code. You can set up how you want to receive a one-time pass code from the following options: phone, text message, or email. You will also be required to create a strong username and password which must include both letters and numbers and/or these specific characters: @$*_-=.!

SecureLink Online Banking has been optimized for viewing within certified browsers. Browsers that are certified have passed our security testing. By using an unsupported browser, you may not be able to view the take full advantage of all the features within internet banking, mobile web browsers and our website.
 

Online Banking Supports the latest versions of the following browsers:


Microsoft Internet Explorer

Mozilla Firefox

Google Chrome

Safari

Your account safety is important to us. With the continued growth of SecureLink Online/Mobile Banking, there are increased needs for greater security standards to keep your account well protected. Enhanced Login Security was implemented to protects our members against online fraud by providing an additional authentication ‘factor’ beyond your username and password used today through the use of a one-time access code sent via phone, text message or email.

After setting up your login security options the next time you login, the rest of your online banking experience will remain the same. In the future if you log in from a different computer you will be asked to enter a one-time access code as an additional line of defense to prevent unauthorized access.

For convenience, after you successfully authenticate with your password and One-Time Passcode (OTP), you may enroll your computer and a cookie will be saved to your computer for future authentication at your discretion.

Cookies, more properly called HTTP cookies, are small bits of data stored as text files on a browser. Cookies were designed to be a reliable mechanism for websites to remember stateful information or to record the user's browsing activity. Websites use those small bits of data to keep track of users and enable user-specific features.
When selecting Yes, Register this computer, a cookie is being saved to the computer. This option is available to use so that you will not need a one-time passcode each time you log in. If the cookie is deleted or blocked, SecureLink Online Banking will ask for you to obtain a one-time passcode again. This is directly related to your devices browser settings.
Once you are login into SecureLink Online Banking, click on the “My Settings” link located at the top right navigation menu, then click on the “Edit” link next to Security Contacts. Here you can add or delete any of your phone numbers or email address. If you prefer to complete this via the Mobile App, simply login click on the “More” menu, Settings and then My Settings.

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Simply login to your Online Banking, select “Bill Pay”, accept the terms and conditions. To be eligible for the service a checking account is required.

*A monthly $4.95 inactivity fee is applied if no payments are processed.

Two different kinds of payments are sent to payees: electronic payments and check payments.

To determine if a payment will be paid electronically or by check, once the payment is scheduled, locate the payment in the “Scheduled payments” section on the right hand side of the main payments page and click the edit
icon. The “Type” field in the pop up box will indicate “Electronic” or “Check.

We can make a payment to just about anyone, but due to legal requirements, we do limit your ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances.

In addition, the following payments are discouraged, but may be scheduled at your own risk:

  • Tax payments to the Internal Revenue Service or any state or other government agency
  • Court-ordered payments, such as alimony or child support
  • Payments to insurance companies

We will not notify you if you attempt to make any of these payments and we will not be liable if you schedule a prohibited or discouraged payment.

When you perform a Payee Search, you will see a list of payees. All payees on the payee list accept electronic payments. Otherwise, you will enter the payee manually. Payment processing may take up to 2 business days for an electronic payment delivery or 5-7 business days for a check delivery. You should schedule the process date on a payment up to 5-7 business days in advance of when the bill is due. There is also an icon indicating electronic vs check after the payee has been successfully added as a payee.

Electronic payments: If we make your payment electronically, your account is debited on the day you scheduled that it be sent.

Check payments: The funds will be debited from your account one (1) to two (2) days after the send on date.

When scheduling payments, please make sure you have the appropriate funds in your account several days prior to your payment's due date. Your account access will be blocked immediately if bill pay NSF occurs. Any future dated payments scheduled to be processed during the time your account is blocked will not be sent. You will incur an NSF fee. If you have additional questions or are concerned regarding the status of your bill pay profile; please contact us at 800.548.5465.
If a debit comes through from Bill Pay, depending on the payment type (electronic vs. check) Bill Pay will handle both situations differently. If your payment went via check and is less than $500, Bill Pay will contact the credit union to verify funds and resubmit the debit. At that time if funds are not available, they will issue a stop payment on the payment in transit. For payments sent by check that are greater than or equal to $500 and funds are not available, a stop payment will be immediately issued on that check payment and alternate payment arrangements will need to be considered. If your payment processed electronically, Bill Pay will attempt to collect funds against your account a maximum of three times. In both situations, if Bill Pay is not able to collect the funds, your account will remain in a blocked status.

Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside the United States are prohibited and may not be issued under any circumstances. In addition, the following types of payments are discouraged but may be scheduled at your own risk.

  • Tax payments to the IRS or any state or other government agency
  • Court-ordered payments, such as alimony or child support
  • Payments to insurance companies

We will not warn you if you attempt to make any of these types of payments, and we will not be liable if we do not make a prohibited or discouraged payment that you’ve scheduled.

Yes. We send many types of notifications via email to keep you informed and up-to-date regarding your payments. Some notifications are crucial and can’t be turned off but there are many others that you can choose to turn on or turn off.

To view your notification settings, click the Edit reminder and alert preferences link in the “I want to” section. A box with a check mark indicates that the corresponding notification is turned on, and a box without a check mark indicates that the notification is turned off.

When adding a payee (or trying to edit your payee later), don't be alarmed if we do not ask you for an address to which to send your payment. This just means that we have a relationship with this payee where we either pay them electronically, or the payee asked us to send payments to an address that might not match the address they give you on your bill.
Yes. You can set up an automatic payment rule and your payment will be automatically scheduled and sent out based on your specific instructions. You will be notified each time a payment is scheduled and you can edit or cancel your payments as needed.
An eBill is an electronic copy of your paper bill that you can view anytime from within the Bill Pay service. eBills are a secure and convenient way to keep all of your bills in one place. You will be notified when an eBill arrives and when it is due so you never have a late payment.
We make the past 24 months of your payment history and eBills available for you to view within online banking. If you need payment information from more than 24 months back, give us a call at 800.548.5465. We’ll help to retrieve that information.

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A Member Number is typically assigned and provided to you at account opening, and is used to enroll your accounts for Online Banking and Mobile Banking. If you are enrolling for a personal or business account and don’t know your Member Number, you can contact us at 1.800.548.5465.
Enroll now by visiting www.powerfi.org and selecting Enroll in Online Banking in the Login box. Register for SecureLink Online Banking by entering your member number (without suffixes, i.e. 0030) in the Username field and your social security number in the Password field. Provide your personal contact information (email address and phone numbers). Download our Mobile App to enroll by clicking on “Sign Up”.

Keeping your browser up to date is the best way to ensure that it is supported by the online services you use (Power Financial Credit Union Online Banking for example), and that those services operate as quickly and effectively as possible. You can check for updates to Chrome, Firefox, Internet Explorer or Safari in the settings functions while using your browser. You should also have the option to select automatic updates.

Another way to get browser updates is to visit the website for your service:

  • Chrome
  • Firefox
  • Internet Explorer
  • Safari
You can access all your Credit Union accounts associated with your username and password. To ensure security, we encrypt all information between your computer or mobile device and Power Financial Credit Union.
To transfer funds from your account to another member’s account, you can complete a “Cross Account Transfer”. Once logged into Online Banking, hover over the “Move Money” and select “Add Cross Account”. Fill in the required information and select “Verify Recipient”. Once submitted, the other member’s accounts will appear immediately in the drop down box as an option to transfer funds to. However, the option to view the member’s account balances will not appear. To link another account via the mobile app, click on “Transfers” and then “To” and then “Add Recipient”.
SecureLink Online/Mobile Banking allows you to view transactions history up to six months.
Simply click on the check number link within Online Banking and the front and back image of your check is available to you to print or download. You may login to the Mobile App to view check images as well.
Complete the “Forgot Password” option on our website. Provide your cell phone number on file and we will send you a temporary password. If you would like to use the “Forgot Login” option via the mobile app; you will need to complete the same verification process for reset or to unlock your access.
No. Visit our website at www.powerfi.org on your mobile browser or download our app onto your Apple or Android device. To log in, enter your Power Financial Credit Union username and password.
Yes. Simply click the “My Order Checks” link located under the Additional Services tab.
You can easily access your checking micr number within Online/Mobile Banking. If you would like to obtain your checking micr number within Online Banking; select the your checking account on the home page of Online Banking, click the drop down arrow next to “Account Details”. For easy access on the Mobile App; select your checking account and click on “Details”.
Yes. Once the mobile app has been successfully downloaded on your device; click on the “More” tab and select “Chat Now”. You can also use the feature within Online Banking or directly on our website.
Yes. You can view your account balances, transactions and locate nearby branches and ATMs at a glance on your watch – with no need to log in.
Download Power Financial Credit Union app via the iTunes App Store (iOS), Google Play Store (Android) or the Amazon Appstore (KindleFire).

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Members who are at least 13 years of age, have a checking or savings account with Power Financial Credit Union and are in good standing with the Credit Union. Minors with a Cha-Ching Checking account are eligible with a reduced limit.
You can begin using SecureLink eDeposit within SecureLink Online Banking after accepting our eDeposit Service Agreement. If you prefer to take pictures of your checks using your smartphone, download and register for the service on the eDeposit mobile app.
Your funds may be available the same business day if your deposit is made before 12pm noon. Deposits made after 12pm noon may be credited and available the next business day. All deposits are subject PFCU’s Funds Availability Policy. Check holds may be applied.
Personal Checks, Cashier’s Checks, Corporate Checks, Money Orders, Government Checks are all accepted. All checks must be in U.S. funds payable to the name(s) on your account and endorsed by all payees. Canadian items in U.S. funds are not acceptable.
No. There are no fees for using PFCU’s SecureLink Online Banking or eDeposit service. There are fees for returned items that are deposited. Please refer to our fee schedule for more information.
There is no limit on the number of checks that can be deposited. However, there are daily, per item and rolling 30 day limits that may apply. These limits are based on several account relationship criteria. Should you require an increase, please call us at 800.548.5465.

There are many reasons a check can be rejected once we have reviewed the item the most common being:

  • missing or incorrect endorsement
  • date discrepancies
  • payee discrepancies
  • image quality

Members will be notified when an item has been rejected through email and/or the mobile app.

If you made a deposit using the Online/Mobile Banking, your deposit history is maintained for review for 6 months.
For your protection, after making your deposit through eDeposit, please retain the original check for up to 30 days after receiving confirmation that it has been credited to your account. When you are ready to discard it, mark it “VOID” and dispose of it in away that prevents it from being presented for payment again.

Once you submit your deposit these are the three statuses prior to the deposit posting to your account.

-Held for Review – The item is being reviewed by a processor

-Deleted – The item was rejected due to a discrepancy with the item

-Accepted – The deposit was reviewed and accepted and is ready for posting

Note: eDeposit items will post to your account same day if submitted before noon. Otherwise, accepted deposits will post the following business day. There may be holds on items as set forth in the Credit Union's Funds Availability Policy disclosure.

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Enrollment is easy and free! Simply login to Online Banking, click on "Additional Service" tab located under the main navigation menu, and then select eStatements to enroll in this service.
eStatements will begin to appear during the statement cycle after you’ve completed your registration. An email will be sent to the address on file notifying you that your eStatement is available for viewing. To change your email address on file, after logging into eStatements, click on the “Settings” button and click the “Email Address” option.

Your monthly eStatement can easily be printed via adobe reader pdf format. After opening the eStatement, simply click on the adobe reader print icon. You may also save your eStatements to your device.

Simply complete these steps to view your monthly eStatement/eNotice

  • Log in to Online Banking
  • Select “Additional Services” tab located on the main navigation menu
  • Click on eStatements
Once you begin receiving statements online, they will be available for a twenty-four (24) rolling months. However, the statement process is not retroactive. eStatements will only begin to be stored online after you have registered your account for the service.

An eNotice allows you to receive an email notification of important activity that’s taken place in your account, like when:

  • Checks have been returned for insufficient funds
  • Overdraft transfers
  • Credit card purchases or advances against insufficient funds
  • Debit card purchases against insufficient funds
  • Loan payments are overdue
  • Tax Forms (1098, 1099)

No need to enroll. You are automatically enabled once registered for eStatements.

Yes! Simply login to your Mobile Banking App, select “More” located at the bottom of the navigation menu, and click “eStatements”.

 

 

 

Power Financial Credit Union serves members across South Florida with 8 full-service branches and offers convenient account access from anywhere using its secure Online Banking and highly-rated Mobile App.