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Mobile Banking FAQs
What do I need to sign up for Mobile Banking?

To enroll in PEFCU's Mobile banking, you must be registered to use our existing Home Banking service, have a password set up, and have a valid/current E-mail Address on your Account.
If you are not a registered user of Home Banking, contact one of our branch offices or call us toll-free at

How do I enroll in Mobile Banking?

Once you have registered as a Home Banking user or have previously registered and have your username and password, you are ready to start using PEFCU's Mobile banking.
Go to from your Mobile Phone or PC if your phone is only Text Capable. 

Is Mobile Banking free?

Yes, PEFCU's Mobile Banking is a free service. You may, however, incur additional charges from your cellular carrier. Depending on which Mobile Banking Application you use, your carrier may charge you for SMS Text Messaging or Data Services. Check with your individual carrier for details.
The new Send Money through PayPal does have a $1.00 fee to use this service in Mobile Banking. 

Is Mobile Banking Secure?

Yes. Mobile devices must be registered during the setup process and unrecognized devices will not be allowed future access to your account information. In addition, data is encrypted between PEFCU and your device. Still, you must follow reasonable security precautions. As with any electronic banking service, you should never share your account number or password with anyone.
Note: Like any computer, your web-enabled cell phone or smart phone is susceptible to viruses, malicious sites and applications. Please be sure to use the same caution when opening emails, clicking on links and surfing the web via your phone, as you do with your computer.

Will my account information reside on my device?

This depends on which PEFCU Mobile Banking Application you use. If you use the web browser-based version, no account information will reside on your device. However, if you use a downloadable application such as the IPhone/IPad or Android Application, those applications will contain account balance information. Both applications, however, are secured by your username and password.

Can my account information be intercepted during transmission to/from PEFCU?

All data transmitted during the use of Home Banking is protected by 256-bit SSL (Secure Sockets Layer) encryption technology, providing one of the highest levels of security for protecting confidential transmission of data. The encryption process converts all transmitted information into strings of unrecognizable data, such that even if the data transmission were to be intercepted and recorded, no sensitive information could be retrieved from its contents.

Can I view transaction history on Mobile Banking?

Yes, you can view your transaction history through PEFCU's Mobile Banking.

Can I view all of my accounts through Mobile Banking?

All the accounts normally available to you through PEFCU's Home Banking, Webb-it 24®, are available to you through PEFCU's Mobile Banking.

What if my device is lost or stolen?

Your account information is protected by your unique account number and password combination. Never share that information with anyone.

Can I pay bills through Mobile Banking?

Yes, Mobile Bill Pay is available through your smart phone - Andriod or IPhone App.  

Can I use multiple mobile devices to access Mobile Banking?

Yes, up to ten (10) mobile devices can be registered with PEFCU's Mobile Banking

I don't have a cellular data plan- can I still use mobile banking?

Yes, you will need to use our SMS/Text Banking option. However, charges may be applied from your carrier. Check with your specific cellular carrier for details.

Can I safely recycle or dispose of my device if it has Mobile Banking on it?

Yes. Generally accepted security practices indicate all mobile devices should be "wiped" before they are disposed of or recycled. Check with your device manufacturer or cellular carrier for procedures specific to your device.

Are transfers on my Mobile Banking application the same as Home Banking?


Can I make Remote Deposits from my Smart Phone?

Yes, Mobile Deposit is available. It allows you to deposit checks by taking a photo of the front and back of the check with a Smart Phone (IPhone, Android), or a device such as an iPad.

The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. For more information on the NCUA, please visit their website at