The words "we", "us", "our" refer to Credit Union. Activity on this site is monitored for security purposes. Are you the owner? The verification process will include verifying the amount of a small transfer credited to your external account. By your continued use of Digital Account Access, you agree these procedures, including your security responsibilities described in this Agreement, constitute a commercially reasonable method of providing security against unauthorized instructions. When you click OK, you will be transferred to a website that is not operated by Palmetto Citizens. Also, you cannot assert any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the reasonable time mentioned above elapses and before we receive your notice. Select the eligible PCFCU account to transfer from and then under the To a Person section, choose either Email Address or Mobile Number (this is the method the person will receive the transfer instructions and information). FAX: 843-669-6931. Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases Rates range from 9.90% 12.50% for members with a Palmetto Citizens Platinum Visa based on creditworthiness at the . What are the limits and time frames for transfers to another person using this method? How do I add an account I have with another financial institution so I can transfer money to that account? Transfers or deposits from these services and apps generally use the ACH (Automated Clearing House) process and typically take between 1-3 business days to be deposited into your account. For transfers in amounts over those stated below, please contact the credit union by sending a message through the Help Desk in online/mobile banking or by calling 803-732-5000. 500 Bush River Rd. 73 were here. Move money between your accounts. Where it is necessary to activate additional services. Mailing Address: PO Box 2028 Columbia, SC, 29202 (803) 252-0258Branch Hours When you click OK, you will be transferred to a website that is not operated by Palmetto Citizens. View balances, transfer money between your accounts, make a deposit, and much more. If there is a conflict between this paragraph and that section, the latter shall govern in the case of consumers.Account and Other Eligibility RequirementsTo register for consumer or business Digital Account Access, you must maintain a Prime Share Account or have access through an associated member number.By entering into this agreement, you agree to maintain your accounts properly, observe and comply with all rules applicable to them, and pay all fees associated with such accounts.Digital Account Access is offered only to residents of the United States who can form legally binding contracts under applicable law. Palmetto First Federal Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. Typically, the transfer process is complete within three business days for Standard Transfers and one business day for Expedited Transfers. Transfers completed to and from another financial institution on Saturdays, Sundays, Holidays and after Business hours will be processed the following Business Day by Credit Union and appear in the account within two business days from the date it was completed by Credit Union. It's National Financial Literacy Month!National Financial Literacy month is recognized every April to bring forth awareness to the significance of financial literacy, while also creating and maintaining smart money management habits. The following limits are in place for transfers made from your Palmetto Citizens account(s) to another person using the Send Money transfer feature in online/mobile banking: The cut off time for Expedited Transfers is 1:30 PM EST, before that, Expedited Transfers should post same business day. No fee for proprietary ATM usage except those normally associated with share type accounts. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. If you do not wish to continue, you may click Cancel. Click on each heading below to view the associated fees. This site may be used for authorized purposes only. For this process, you will need the Member Number, Account Type (S 0100, S 1000, S 1700, L 0600, etc) and the first four letters of the last name of the person you wish to transfer funds to. Please contact the credit union for full details, limits and restrictions. 12. We reserve the right to terminate Digital Account Access immediately and without notice (1) in the event of improper use of such service, (2) in the event of a failure to comply with the security procedures, or (3) if all of your eligible accounts have been closed. Palmetto Citizens Federal Credit Union has been open since 1936. 2. Digital Account Access transactions performed by an owner of the account will be considered authorized transactions and except as provided in this Agreement, Credit Union will not be liable to you for any such transactions.User Identification (ID) and PasswordYour User ID and Password identify and authenticate you to Credit Union when you use Credit Union's Digital Account Access Service. You determine what password you will use and your password is not communicated to us. This coverage, fully paid for by Palmetto Citizens, pays a cash benefit after an accident results in a covered injury or loss of life. *Must purchase vehicle from Enterprise Car Sales and finance with PCFCU between 4/01/23-4/29/23. APR = Annual Percentage Rate. In the event of any inconsistency between the terms of this Agreement and any agreement governing an account of yours, the terms of this Agreement shall govern. Minimum balance on Money Market Account: $2,000; Minimum balance on Premium Money Market Account: $10,000; Minimum balance on Premium Checking Account: $2,500; Minimum balance on High Volume Small Business Checking Account: $2,000. Columbia, SC 29210. Monthly inactivity fee of $2.95 charged after 12 consecutive months of inactivity. Palmetto First Federal Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. The privacy policy of this third party may differ from those of PCFCU. Reviews. If you do not wish to continue, you may click Cancel. You will be able to make funds transfers that are effective when you complete the transfer online, schedule future-dated transfers, and establish recurring transfers. Also identify the following, if known: the check amount, date check written and Payee name. The privacy policy of this third party may differ from those of PCFCU. Palmetto Citizens UniversityJoin us to learn more about taking control of your finances by signing up for our weekly financial education webinar series! We use several different methods to protect your account information: You agree to the following and you agree to ensure your authorized Digital Account Access users comply with the following: These security procedures are not implemented for the purpose of detecting errors in your instructions or in their transmission, even if Credit Union may take certain actions from time to time to do so. For more information, please contact the credit union by sending a message through the Help Desk in online/mobile banking or calling 803-732-5000. How do I transfer money to my account I have with another financial institution? 10. To place a stop payment order via Digital Account Access, the account number and check number are required. Finance a vehicle with us from Enterprise Car Sales in April and you'll receive a special lower rate and make no payments for the first 90 days.**. Palmetto Citizens Federal Credit Union strives to provide the best Mobile Banking experience. Please let us know if we can assist you with any other financial needs or questions. FAX: 843-669-6931 The App never fails in availability or accuracy. The new update is a major overhaul and improvement over the previous mobile banking app. Choose when you would like the transfer to occur: Transfer Now the transfer will take place immediately, except during any scheduled downtime. Unless provided otherwise by law, if you fail notify us of any errors within a reasonable period of time (not to exceed 14 days), after we send or make available to you your statement and/or items, you cannot assert the unauthorized signature or alteration against us even if we are unable to show a loss due to your failure. Please contact us about location availability. The privacy policy of this third party may differ from those of PCFCU. Open a new Free Checking account and get $200. We reserve the right to require an actual, physically-signed written stop payment order at any time. Any agreement you may have for a loan may be accessed through Digital Account Access. Explore Digital Banking Online Banking Mobile Banking Move Money Card Services Update Personal Information. into any agreements. You will be required to establish a User Identification (ID) and Password during your first online session through our online registration process. Stop Payment orders placed using Digital Account Access are considered written stop payment orders. I absolutely love banking with them and of course having the app makes banking even easier. Unless your request is complete and accurate, we may be unable to identify the item subject to your request.A stop payment order may be made and will be honored when made by the maker of the check or any other account owner who has withdrawal rights at least equal to the rights of the maker of the check. That is why First Palmetto Bank offers easy and secure 24/7 access to your accounts through Online Banking with tools that are designed to help you stay in control of your finances. Money Management Tips SavvyMoney CheckupFinancial Education Center: Debt Management Offer not valid for previous Enterprise purchases or with any other Enterprise offer. If there is a conflict between what aCredit Union Representative says and the terms of this Agreement, the terms of this Agreement will prevail. Peer-to-peer transactions are not covered under any current Zero Liability Protections provided by other payment methods. All rates and terms are subject to change without notice. See below for specific limits for certain accounts. We make it our goal in educate our members and provide them with the best service possible. remaining. You can only access Digital Account Access with a browser that uses 128-bit encryption, You must have a valid User ID and Password to log in, For your protection, we may temporarily suspend access to Digital Account Access for any reason, including inactivity, If no action is taken for a period of time, you will be automatically logged off Digital Account Access, We display your previous login date and IP address each time you access Digital Account Access for you to review, Never leave your computer unattended while using Digital Account Access, Never leave your account information displayed where it may be viewed by others, Notify our Call Center at 803-732-5000immediately if you suspect unauthorized access to Digital Account Access, Not disclose your User ID and Password or otherwise make it available to anyone else, including other joint owners on the account, Be liable for your User ID and Password and for its authorized and unauthorized use as described in this Agreement, Notify Customer Service at 803-732-5000 immediately of any loss or theft of your User ID and Password. 3. Prime Share Checking & Money Market ATMs Loans Online Services Miscellaneous Small Business 1. This program is free for those who maintain a combined average monthly balance of $100 or greater in deposits and/or loans. Some states do not allow the exclusion or limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you.You acknowledge Credit Union's fees have been established in contemplation of: (a) these limitations on Credit Union's liability; (b) your agreement to review statements, emails, and notices promptly and to notify Credit Union immediately of any discrepancies or problems; and (c) your agreement to assist Credit Union in any loss recovery effort. No International Transfers will be allowed.Our Right to Delay or Reject TransactionsEven though you may request a transaction, it may be delayed or Credit Union may reject the transaction without liability, if: (1) the request is untimely, incomplete, inaccurate or ambiguous in any respect, (2) the requested transaction may exceed either the collected and available funds on deposit in designated account, together with the credit limit on an overdraft line-of-credit you may have established in connection with the particular account (excluding any Overdraft Privilege service you may have); (3) the requested transaction is either not authenticated to Credit Union's sole satisfaction, or Credit Union believes such request may not have been authorized by you; (4) the requested transaction would cause Credit Union to violate a law, regulation or a government guideline or program; (5) the requested transaction is not in accordance with any other requirement stated in this Agreement, or is objectionable to Credit Union for any other reason, in Credit Unions sole discretion; (6) Credit Union system was not working properly and you knew about the breakdown when you started to submit the transaction; (7) circumstances beyond our control (such as fire, flood, mechanical or electrical failure) prevent the transaction, despite reasonable precautions we have taken; or (8) if Credit Union reasonably believes completing such transaction would result in exposure to liability or risk beyond what is contemplated by this Agreement. National Credit Union Administration Details, Financial Education Center: Debt Management. Learn about our financial education seminars and other events. The 1.5-acre site, purchased from local developer Mac Willetts of Town & Country Development, will be built at the corner of Battleship Road and West DeKalb Street (U.S. 1). I remain a grateful customer! Palmetto Citizens Federal Credit Union Attn: Financial Operations P. O. If you do not wish to continue, you may click Cancel. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL.Recording and Use of CommunicationsYou and Credit Union agree all telephone conversations and data transmissions between you and Credit Union or either of our agents made in connection with this Agreement may be electronically recorded and retained by either party by use of any reasonable means and for any lawful purpose. Carowinds tickets are not available to purchase in our offices. You may choose to receive alerts via email or mobile text (your carrier's standard text messaging rates will apply). Financial tools and calculators to help you manage your money. Palmetto Citizens Federal Credit Union has been open since 1936. Any termination of this Agreement shall not affect any of Credit Union's rights and your obligations with respect to Digital Account Access utilized by you, or your payment obligations with respect to services performed by us, or any other obligations that survive termination of this Agreement. Therefore, we are not eligible for any instant deposit/transfer features they may offer. Refer to the fee schedule for your consumer or business account for a complete listing of fees. This Agreement is not for the benefit of any other person, and no other person shall have any right against you or us hereunder.MiscellaneousYou agree this Agreement is the complete and exclusive statement of the agreement between you and Credit Union which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Credit Union relating to the subject matter of this Agreement. With Palmetto First Federal Credit Union Free Mobile Banking Application, you can easily access your accounts 24/7. In addition, you shall indemnify and hold Credit Union harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and received and verified by Credit Union in compliance with such security procedures.You acknowledge the Credit Union nor any person acting on behalf of Credit Union will request you disclose your User ID or your password or disclose security procedures and agree you nor any of your authorized Digital Account Access users will disclose a User ID or a password or security procedures.You hereby confirm you have instituted proper controls through your computers, terminals, equipment and procedures to protect your financial information and all User IDs and Passwords, as well as any other security procedures we may require from time to time. Schedule Recurring Transfer choose when and how often you would like for your transfer to occur. Copyright 2023 Apple Inc. All rights reserved. Palmetto Citizens Federal Credit Union 4.2 678 Ratings Free Screenshots iPhone iPad Use the Palmetto Citizens app to manage your accounts quickly and securely. You also agree to receive communications regarding your account electronically and will not attempt to circumvent receiving any messages. If you are new to Online Banking, here are some of our features: CheckFree Billpay eStatements Security Best Practices These laws and regulations, as well as the terms of the Agreement may change from time to time without notice to you unless law requires notice. We encourage you to print a copy of this Agreement and to keep a copy of this Agreement for your records. Coin Counters - Self-service coin counting machines are available at each of our offices and are free to members with personal accounts (business account holders and non-members will be charged a 5% service fee). any agreements. Credit Union reserves the right to select the arbitrator who will handle any disputes arising from this Agreement.Related AgreementsAll rules and regulations outlined in your account agreements apply to Digital Account Access. The company was founded in 1936 and is headquartered in Columbia, South Caroli Read More Contact Who is Palmetto Citizens Federal Credit Union Headquarters Some account services requested through Digital Account Access may require payment of a fee. How do I transfer money between my PCFCU accounts? https://palmettofirst.com/wp-content/uploads/2018/02/Privacy_Notice.pdf. Maximum of four Overdraft Privilege fees charged to an account per day. News & Notes Financial Tip of the Week It's National Financial Literacy Month! 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