PCM | Online/Mobile Banking (2024)

Virtual Branch Online Banking

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  • Easily enroll online
  • Set up a payment schedule for your loans and credit cards
  • Set up Alerts for account status
  • Set up BillPay service
  • Set up person-to-person payments (Zelle®) through BillPay

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  • Access to BillPay is completely secure
  • View, pay and receive bills all in one location
  • You may receive reminders when bills are due
  • You may pay bills on the go with PCMCU’s Mobile App and your web-enabled mobile device

Helpful hints when using Virtual Branch:

  • Virtual Branch allows you to link all of your accounts together under one logon id. Just call PCMCU and ask for the “link your accounts together” option, and we’ll be happy to set you up with this added convenience!
  • When you’re enrolling in Virtual Branch, the Member Number is your account number and the Security Code is considered your password.
  • You may reset your own security code by clicking ‘Forgot Security Code’ when entering your Logon id.
  • Enroll in eStatements today for both your personal and credit card statements. It’s safe, secure and convenient.
  • Don’t forget to sign up for PCMCU’s Mobile App for your smart phone. You may also set up account alerts under the “Self Service” tab to receive designated balance alerts via email and text.

Follow these simple steps to Nickname your accounts:

  1. Log into your Virtual Branch Online Banking
  2. Click on settings
  3. Click on accounts
  4. Click on account preferences
  5. Click on edit behind the account you would like to Nickname
  6. Enter nickname and click save
  7. A message will display that your account preferences have been successfully updated

Please Note:
In some situations, if you have an older cell phone, tablet, desktop or laptop you may no longer be receiving updates from the operating system provider such as Microsoft, Apple or Samsung/Android. Once these companies stop updating your devices our online banking system/Mobile App will no longer work due to not having proper security to protect your personal financial information.

QUESTIONS? If you have questions or concerns regarding PCMCU’s Virtual Branch and eServices, pleasefeel free to contact us, or call (920) 499-2831 for more information. We are always happy to serve you!

Mobile App

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PCM Credit Union’s Mobile App with Mobile Deposit Capture is available for download on the App Store or Play Store!

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Enjoy the convenience of:

  • Checking Balances
    • Now even faster with instant balance capabilities!
  • Transferring funds
  • Making mobile deposits
  • Viewing your deposit check history
  • Paying Bills
  • Managing scheduled payments
  • Sending and receiving money to/from other people
  • Locating ATMs
  • And having quick access to PCMCU locations, hours, rates, specials events, and more!

Please Note:
In some situations, if you have an older cell phone, tablet, desktop or laptop you may no longer be receiving updates from the operating system provider such as Microsoft, Apple or Samsung/Android. Once these companies stop updating your devices PCM’s online banking system/Mobile App will no longer work due to the older operating system not having proper security to protect your personal financial information.

QUESTIONS? If you have questions or concerns regarding PCMCU’s Mobile App, please feel free to contact us, or call (920) 499-2831 for more information. We are always happy to serve you!


Learn More About Zelle®

With Zelle, it’s easy to send – and receive – money.

With these great features, you have a lot to look forward to. When you send money withZelle,you always know where your money is because it moves directly from your account to theirs, typically in minutes.1

Money is sent from your account into theirs typically in minutes.1
With the security you already know and trust from PCM Credit Union.
Send money to almost anyone you know and trust using only their email address or U.S. mobile phone number.2

Watch this 1-minuteZelleOverview Video Now!
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1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2 Must have a bank account in the U.S. to use Zelle.

Mobile Deposit Capture

To make sure your checks get accepted for deposit, please follow these tips for taking clear, high quality check photos:

  1. Sign the back of your check AND endorse it “PCMCU Mobile Deposit” directly below your signature.PCM | Online/Mobile Banking (7)
  2. When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  3. Keep the check within the corner marks on the camera screen when capturing your photos.
  4. Take the photos of your check in a well-lit area.
  5. Place the check on solid dark background before taking the photo.
  6. Keep your smartphone or tablet level and steady above the check when taking your photos.
  7. Make sure that the entire check image is visible and in focus before submitting it for deposit.
  8. Make sure the MICR line is readable. (numbers on the bottom of your check)

Following these tips should make for a successful mobile deposit!

Mobile Deposit Capture Processing Information:

  • When we receive your mobile deposit, the images will be viewed for acceptability.
  • If you’ve made a mobile deposit BEFORE 2:00pm CST on a regularly scheduled business day (M-F), items will generally be posted to your account after 3:00pm CST of that same day.
  • If you’ve made a mobile deposit AFTER 2:00pm CST on a regularly scheduled business day, or on Saturdays, Sundays, or Federal holidays, items will generally post to your account on the next business day, after 3:00pm CST

Mobile Deposit Capture Limitations:

  • The largest deposit allowed on a single business day is $3,000.
  • The daily guideline also includes a per item deposit limit of $3,000.
  • Checks are limited to be deposited into Share Draft/Checking Accounts
  • Check holds may apply.

Digital Wallet

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Samsung Pay™, Apple Pay™, and Google Pay™ are ALL available at PCMCU!

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Enjoy this convenient and secure way to pay using your smartphone or smartwatch.

Upload all of your PCMCU cards into your mobile wallet and begin using this contactless form ofpayment. After loading your cards and authorization of your cards has been made, you may then makepurchases just by swiping your device in the vicinity of the cashier’s kiosk.

Your card information is never shared when paying with these mobile payment options, making it a safer way to pay!

PCM | Online/Mobile Banking (2024)


What does PCM mean on a bank statement? ›

A Payment Credit Memo (PCM) is used in conjunction with a Payment Debit Memo (PDM) to adjust payments. They are offsetting adjustments, always used together for the same amount of money. This adjustment is used to move an applied credit from one account to another for example.

What is the full form of PCM in bank? ›

Professional Clearing Member (PCM) are clearing members who are not trading members. They are typically banks, custodians etc. who clear and settle trades executed for their clients (individuals, institutions etc.).

What is a PCM account? ›

Your Payments and Cash Management (PCM) solution will help you manage the sending and receiving of payments both domestically and worldwide, minimising late payments and giving the best insight into your future cash flow requirements.

How secure is an iPad for online banking? ›

When you access your bank through a browser or dedicated app on your iPad, the data transmitted is encrypted, meaning it's scrambled in a way that only your bank's server can decipher. This ensures that your financial information remains confidential while in transit.

What is PCM stand for? ›

Pulse-code modulation (PCM) is a method used to digitally represent analog signals. It is the standard form of digital audio in computers, compact discs, digital telephony and other digital audio applications.

How do I clear my PCM? ›

How to Reset PCM
  1. Open the hood and look for the car battery.
  2. Remove the negative battery cable.
  3. Wait for around five minutes.
  4. Turn the headlights on with the battery disconnected to empty the power in the capacitors.
  5. Put the terminal back on again.
Nov 2, 2023

What does PCM mean for money? ›

PCM definition

PCM stands for per calendar month, so this is the cost of the property each month. You can usually arrange a day to pay that suits you with the landlord – to coincide with your payday, for example.

Is PCM a real debt collector? ›

Professional Credit Management, Inc. (PCM) is an accounts receivable management company committed to client satisfaction. With integrity, hard work, and persistence, we are proud to have a recovery rate that consistently exceeds national collection averages!

What is the PCM payment system? ›

PCM utilizes a cloud-based, next-generation technology to automate and consolidate all domestic and international payments, including Checks, ACH, Wires, Bacs and an expanding list of same-day payment schemes, to create a single, comprehensive payment hub for your global payment processing.

What is the safest device to do online banking? ›

Kyle Marchini, senior analyst in fraud management with research-based advisory firm Javelin Strategy & Research: "I give bank apps on mobile devices the edge when it comes to safety,” Marchini says. With computers, he says, it is easier to inadvertently download malware from hackers.

Is online banking safer on phone or computer? ›

Banking apps can be safer than using an online banking portal due to biometric-enabled login options for your phone and the app itself. Your face, your fingerprint and your phone are a lot harder to hack than your username and password.

Why not to use online banking? ›

Cons of online banks
  • Customer service can be virtual and impersonal.
  • You are more likely to incur ATM fees if the online bank has no ATM network or is part of a small network.
  • You can't deposit cash unless the bank is linked to ATMs that accept cash.
  • The number of products tends to be more limited at online banks.
Apr 2, 2024

What is the meaning of PCM payment? ›

pcm | Business English

written abbreviation for per calendar month: used in advertisem*nts to show how much someone must pay each month for rent, or how much someone earns: Brixton Hill, largish room in friendly flat, £390 pcm plus deposit. My pay varies between £1,500 and £2,000 pcm.

What is PCM in money? ›

PCM stands for Per Calendar Month. If rent is taken PCM, it means it is taken on the same date every month.

What does PCM pricing mean? ›

Well, PCM stands for per calendar month. Simply put: it's about how often you pay rent to your landlord and how much.

What causes PCM code? ›

More often than not, software concerns—not internal hardware problems—cause PCM issues. Other common causes of PCM failure include an overload from a shorted component or circuit, power surges, charging system problems, and environmental issues, such as moisture and extreme temperatures.


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