| 888.858.6878 | Email Us

Welcome!

As a nonprofit, full-service financial institution, part of our mission is to provide financial education so you can feel confident that you're making informed financial decisions.

 

Browse our articles by category, author or date. If you don’t see what you want, simply comment here or email us and we’ll feature your question in an upcoming post.

 

We welcome and encourage your participation and comments. To keep the blog focused and professional, we’ve developed community guidelines.

Browse by Category

Browse by Author

Recent Post

 

Archives

 

 
 

Jul 7

2014

by Nannette

If you’re afraid mobile banking might be too complex for your technology skillset, don’t be. Our mobile banking app is designed to be simple to use. With mobile banking, you have in your hand the convenience of checking your balances, paying your bills, and even making deposits at 3 a.m.  It’s a great way to make use of your mobile device.

 

Mobile Banking App

Our mobile banking app is free! Charges from your service provider for internet usage and downloads may apply though. Check with your mobile service provider for details. Mobile banking gives you the ability to safely and securely transfer funds between your Pacific Service CU accounts, check your account balances and transaction history, pay your bills, and deposit checks. It’s access on the go!

 

Mobile Deposit

You no longer need to drive to a branch or ATM to deposit a check.  Make your deposits through our mobile banking app from anywhere, day or night. Using the camera on your mobile device, just snap a picture of the front and back of your check and you’re good to go. It’s as simple as a snap and tap.

 

Mobile Bill Pay

Spend more time with your family and friends this summer and less time having to pay bills. Our mobile banking app allows you to make payments to any biller. You can initiate a payment, view pending payments, cancel payments, and view your payment history. Paying your bills has never been easier.

 

It’s easy to get started.  From the App Store search for Pacific Service Credit Union and from Google Play search for Pacific Service CU to download the app.

 

Your log in and password are the same as BranchLine online banking. If you don’t have log-in credentials established click here. The first time you login to the mobile app, a 4-digit, one-time PIN will be sent to your email address of record. You need that PIN to authenticate your initial log in. After that, you’ll only need your account number and password, as usual.

 

For additional questions, visit our Mobile Banking FAQs or call a member service representative at (888) 858-6878.

Jun 26

2014

by Michelle

by Michelle, Assistant Vice President, Operations

by Michelle, Assistant Vice President, Operations

Being prepared is key when traveling out of the state or out of the country. Using your card is a safe and convenient way to pay for purchases while on vacation.  However, there are precautions that should be taken when traveling with plastic – for both debit and credit cards.

 

Call and let us know your travel plans. This can prevent our fraud monitoring systems from viewing your charges as suspicious and blocking further charges. Our computer programs that monitor your transactions can be tailored to fit your travel schedule. If our system spots unusual charges outside your normal spending profile – for example you live in San Francisco and you’re checking into a hotel in London– it might assume your card information has been stolen.

 

If we are not able to get in touch with you to verify charges, your card may be blocked until we can verify that it’s really you using the card. Remember, we will never ask for your credit card number or account number. You will be asked to verify ONLY the last four digits of your Social Security Number.

 

Here are a few phone numbers to take with you when you travel:

Pacific Service CU
(888) 858-6878 (925) 609-5288

 

After Hours
(866) 692-8669 – service center

 

(800) 543-5073 – report lost or stolen cards
(888) 241-2440 – declined transaction (using your PIN)

Outside US call collect (909) 941-1034
(800) 890-5097 – declined transaction (using signature)

Outside US call collect (727) 556-9000

 

Your pre-departure communication with us is also a good time to discuss any questions you may have regarding foreign transactions and provide us with the best way to reach you to verify spending.

 

By taking the time now to enable and protect your card, you can ensure that your travel plans will have no interruptions and you will receive all of the benefits your card has to offer.

May 1

2014

by Nannette, Vice President, Technology Solutions Group

by Nannette, Vice President, Technology Solutions Group

The use of mobile devices like smartphones and tablets has become commonplace for today’s consumer.  These devices may store passwords, banking information, contact information and other sensitive data.  With this information at your fingertips, it is important to keep your device up-to-date with the most current versions of virus protection and system software to ensure that your personal information is protected from unintended use.  Here are some ways to protect your mobile devices.

 

Software Updates From time to time, service providers will discover vulnerabilities that could pose a threat to the security of the information stored on or accessed from a mobile device.  The issue may be with the software that runs the operating system or with specific apps that you have downloaded to your device.

 

When a deficiency or defect is discovered, the provider usually develops a patch or an update for the issue and sends a message or indicator to the device that an update is available.  Software updates for Apple users appear as a number in the upper right corner of the Settings App.  Similar notification alerts are used for Android and other providers.

 

We recommend that you download any updates as soon as possible after notification to ensure that your device is protected from vulnerabilities and risks.  In addition, you should only perform updates from a secure Wi-Fi network.  Do not use an open, unencrypted network like those found at public coffee bars, hotels and airports.   Updates may take a long time to load, so make sure you have a stable internet connection and that you have enough battery life to complete the update.

 

Here are additional ways to protect your mobile devices and personal information:

 

Secure Networks and Websites Do not perform sensitive transactions through open, unencrypted Wi-Fi networks and NEVER provide your log-in and password information unless the connection and the website are secure.  In addition, you can determine whether a website is secure by looking for https:// at the beginning of the web address.

 

Applications To access sites that require a user name and password, we recommend downloading an official app from the store to your device.  The two most common provider stores are the Apple App Store and Google Play for Android.  Experts recommend that consumers should not download apps from any location except the official store.

 

Best Practices Although it may seem like common sense, here are a few final tips to help protect your personal information using mobile devices or desktop systems.  Do not store website passwords or log-in information.  Be sure that you log out of the app or browser session after each use.  Do not click on links through text or email if they seem suspicious or are from an unknown user.  Do not connect to unknown Wi-Fi networks.  Do not store sensitive information in accessible applications like notes, calendars or email.  Be sure that you perform all updates, stay current with software releases and keep your firewall active.

 

If you suspect that your account has been compromised, call a member service representative at (888) 858-6878.

Apr 9

2014

A new bug has infiltrated the internet. Heartbleed is a flaw in OpenSSL, the open-source encryption standard used by the majority of websites that need to transmit data users want to keep secure. It basically provides a secure connection when interacting with websites or sending email.

 

The bug opened the opportunity for hackers to access encrypted passwords, messages, and possibly other sensitive information.

 

The credit union has checked all of our online processing systems for this vulnerability and are pleased to report that we have NOT been impacted by the Heartbleed Bug. All of our online systems are secure and regularly tested to ensure they have NOT been breached or compromised.

 

Tips for protecting yourself:

Change your passwords for important sites – but, be sure to confirm with the service provider that they have not been compromised or that they have a fix in place BEFORE you change your password. Since we were not affected, you do NOT have to change your password for BranchLine or mobile banking, but you may do so if desired.

 

Keep a close eye on financial statements from all providers – because attackers may be able to access a server’s memory for credit card information, it is a good idea to watch for unfamiliar charges on your statements. You can view current PSCU transactions through BranchLine.

 

Check with other businesses that have your data – to make sure they are secure. While large companies know about the problem, smaller companies may not be aware, or as proactive as large companies to implement a fix.

 

Read more

 

For more information, please call a member service representative at (888) 858-6878.

Apr 1

2014

.

.

Great news!  If you’re tightening your budget or even just trying to save a little money – we’ve got a great deal for you.

 

Give your finances a workout by trimming high-rate credit cards with a no-cost balance transfer. It’s the easy way to save money on interest and lower your monthly payments.

 

For a limited time, we’re offering  1% cash back on Visa balance transfers.  Our Visa Platinum Card features no annual fee, no balance transfer fee and no cash advance fee – now that’s a great deal!

 

When you transfer your credit card balances from another lender to your Pacific Service CU Visa Platinum Card by June 30, 2014, we’ll give you 1% cash back—up to $100.

 

It’s easy to take advantage of this special cash back offer. Apply online for an instant loan decision or call a member service representative at (888) 858-6878.  We’re ready to help.

 

 
   
 
Federally insured by NCUA
Equal Housing Lender
  Subscribe Follow Us On f t Font Size

SECURITY NOTIFICATION
For website security purposes and to ensure that access to the Pacific Service Credit Union (PSCU) website remains available to all users, PSCU may enable the use of software programs to monitor and record network traffic to identify unauthorized attempts to upload or change information or otherwise cause damage. Unauthorized attempts to upload information or change information on this website and any other illegal activities are strictly prohibited, may be reported to law enforcement agencies and may be punishable under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.
Protecting your privacy is our top priority - View Our Privacy Policy

Switch to our mobile site