Knowledge Center/FAQs

Home Banking

How can I access my account online?

Click here to log into home banking(or download our PSCU Now Mobile App). On the next page you’ll enter your username and password. If you haven’t registered yet click “Register Now” to get started.

How can I reset my security questions for home banking?

If your security questions need to be reset please call us at (734) 641-8400 or stop into any branch for assistance.

How can I view my statements online (and cancel paper statements)?

From your Home Banking account, simply select “Statements” and accept the terms and conditions to receive the statement electronically.

How can I reset my username and password?

From your Home Banking online account click “More” and then select “Account Settings” from the drop-down menu. From there select either “Manager User ID” or “Manage Password”. You can also select the "forgot username or password" option upon logging in.

How do I setup e-alerts?

From your Home Banking account click “More” and select “e-Alerts” from the drop-down menu.

How do I unlock my home banking?

Go to our home banking page.. On the next page click the link under the User ID box that says “Account Lockout Reset”. From there enter you’ll see three boxes. In the top box enter your account number, in the second box enter your date of birth and in the third box enter all numbers in the first line of your home address that is on file with PSCU.

Mobile Banking

How do I setup the PSCU Mobile App?

From the app: Find the PSCU Now Mobile App from your app store. If you haven't signed up through home banking, Click the link at the bottom labeled "Enroll in online and mobile banking" Follow the prompts to set up your account. From home banking: Once registered and logged in, select “More” and then select “Account Settings” from the drop-down menu. Select “Manage Mobile Access” to get registered for the PSCU Mobile App. Click here for a full guide.

Is the mobile app free to use?

Yes. Standard data rates may apply.

Can I deposit a check through the app?

Yes. DeposZip is a secure, convenient service for Public Service Credit Union members. By using your computer with a scanner, smartphone or tablet with a built-in camera, you can image-capture and electronically deposit checks to your PSCU account.

Are there requirements for members to use the check deposit feature?

• Age of at least 16 years • Account(s) and loan(s) in good standing • A valid email address • Internet access • Online account registration with PSCU • For Mobile DeposZip, access to PSCU’s Mobile Banking App

How do I endorse my check to deposit through the app?

Please sign the back of each check and include the following endorsement information: • “Deposited by RDC at PSCU only” Please note: If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit.

Can I transfer money to people outside the credit union?

Yes. Our person to person payment function is available to use through the app. Just click on the menu button, select P2P transfer and follow the prompts.

Telephone Banking

How can I check my account information over the phone?

Call (734) 641-8400 and select option #1. You will be asked to say or enter your member ID (account number) and then asked to enter your pin (which is the last for digits of the primary members SSN).

Account Information

How can I change my address?

Click here to login to your Home Banking account. Click “More”. From the drop-down menu, select “Account Settings” and then “Update Address”. You can also update your information at any of our 15 locations.

How can I check my account balance?

Your balances are available in home banking, the PSCU Mobile App or our telephone banking system.

How do I close my account?

If you need to close you account, you would be able to do so at any of our 15 locations or by submitting a written request. Written requests can be mailed to 7665 Merriman Rd Romulus, MI 48174, emailed to or faxed to (734) 641-6395. Written requests do need to be signed and include a copy of your valid ID. Please note that negative accounts or accounts that have an open loan cannot be closed.

How do I place a travel alert on my account?

You can complete the Travel Alert form online and fax it to (734) 561-0046, you can stop into any of our 15 locations or simply call us directly at (734) 641-8400.

What is your ABA routing number?

Our ABA Routing Number is 272079487.

Where can I find my account and routing number for direct deposit?

Your account number can be found on your membership card. The routing number is 272079487. Both numbers can also be found at the bottom of your PSCU checks.

Where can I locate my account number?

The account number is on your membership card. It can also be found at the bottom of your PSCU check next to the routing number. If you need another card you can stop into any of our 15 locations or call (734) 641-8400.

Savings Account

Can I have more than one savings account?

You can only be the primary member on one account, however you can still be added as a joint member on multiple accounts.

How can I access my account if I am out of state?

You can access your account at any Co-Op Credit Union Shared Branch. Just click here to find the location closest to you.

How do I open a new savings account or certificate of deposit (CD)? Is there a fee?

You can open a new account by clicking here or by stopping into any of our 15 locations. If you want to open a CD up and the funds are already on deposit, you can call us at (734) 641-8400 and we would be happy to assist you over the phone. There is no fee to open a new account, just a minimum deposit of at least $25.

What are the qualifications for a business account?

To open a business account you would need to provide an EIN number, valid government issued ID, your SSN and have a FICO score of at least 550. Please visit our business page for more information.

What are your savings rates?

For our current rates, please check our Rates page

What is the minimum amount required to open an account?

The minimum deposit amount to open an account is $25.

What savings accounts do you offer?

We offer many savings options, including: -$mart $tart (Ages 14-17) -NextGen (Ages 18-24) -Regular Share Savings -Money Market -Certificates of Deposits -Club Accounts (Vacation, Christmas, etc.) -Save to Win CDs

Checking Accounts

Can I have more than one checking account?

You can only be the primary member on one account, however you can still be added as a joint member on multiple accounts.

How can I enroll in Bill Pay?

To enroll in our Bill Pay service, simply login to Home Banking and on the left side of the screen click on “Bill Payment”. You will be redirected to the Bill Pay website for registration.

How do I enroll in courtesy pay?

Each PSCU personal Checking Account can receive all of the benefits of Courtesy Pay. This service is for members who are in good standing and have direct deposit or payroll deduction of at least $800 per month into their Checking Account. This service automatically covers Checking Account overdrafts (up to $500) and allows each member up to 30 days to bring their account current. If you meet these qualifications, you can stop into any of our 15 locations or call (734) 641-8400 to get it activated.

How do I pay bills from my checking account?

After logging in to Home Banking, click “Bill Payment” on the left side of the screen. On the next page, verify that your web browser is compatible and then click the blue link that says “Bill Pay”; which will transfer you to the Bill Pay website. You will then click “+ Payee” to add a payee(s). Once the payee(s) has been added you will select the date to have the funds withdrawn from your account and the amount you want withdrawn. *While selecting the withdraw date, please pay attention to the “Deliver By” date which is when you can expect the payment to be received by.

How do I place a stop payment on a transaction or check? Is there a fee?

After logging in to Home Banking, click “Services” and then select “Stop Payment”. From the Stop Payment screen click the tab that says “Stop Draft Payment” at which point you will select the account, the check amount and the check number(s) that need to be stopped. If you only enter an amount, then all checks for that amount will be stopped. Check and ACH transactions can also be stopped at any branch location or by calling (734) 641-8400. *Note that debit card transactions CANNOT be stopped. There will be a fee of $30 assessed to the checking account for each stop payment made.

What checking accounts do you offer?

We offer different checking accounts, including: -$mart $tart (Ages 14-17) -NextGen Checking (Ages 18-24) -Business Checking -Basic Checking -Direct Advantage (Requires monthly direct deposit of $800+ or min balance of $250+) -Direct Advantage Plus (Requires $1500 monthly direct deposit, estatements and 10+ debit card trans)

What is an RDC?

RDC stands for Remote Deposit Capture. This is a fancy way of saying you can deposit a check through our mobile app.

What is overdraft protection?

This service links the member’s Checking Account with their Share Account, and debits the Share Account (including transfer fee, if applicable) when an item is presented for payment against insufficient funds.

What is the minimum to open a checking account?

The minimum deposit to open an account is $25. *Note that you must have a share account in order to have a checking account.

How do I order checks?

Login to Home Banking and select “Services” from the left side of the screen and then select “Check Ordering”. On the next page, click the blue box that says “Order Checks” and you will be redirected to our check ordering website. You will need the routing number and your full checking account number to get started. You can also stop into a branch or call (734) 641-8400 to place your order.

Debit Card

How do I activate my debit card?

Follow the instructions in the mailer that arrives with the debit card. Depending on how the card was created there may be a sticker on the front of your card with a number to call, or it may activate by using the pin to make a purchase or ATM transaction. If you need help feel free to stop into a branch or call (734) 641-8400.

How do I change my pin number on my debit card?

You can change your pin at any PSCU ATM.

How long does it take for my RDC to deposit into my account?

You will see the deposit on the account by the end of the next business day however the funds will not be available immediately. All RDC deposits are on hold for a minimum of 4 business days.

What is the maximum amount of money I can withdraw from an atm using your PSCU Debit Card?

The daily limit for pin based transactions is $1200. Please note that if you’re at a non PSCU ATM they may have their own limits which would take precedence.

How do I get a debit card?

If you would like a debit card, please stop into any of our branches or call (734) 641-8400 to have one ordered. Debit cards are usually received at the address on file within 5 business days. If you need a card instantly we can print one on the spot for you if you stop into either our Romulus, Trenton or Cadillac Building branches (Mon-Fri until 4:30pm). *Note that you must have a checking account in good standing to have a debit card and a $10 charge my apply.

What should I do If my debit card is lost/stolen?

In the event that your card is lost/stolen you can use the card management option in the mobile app to put a hold on your card. If you do not use MyCard through the mobile app then call (734) 641-8400 immediately and we’ll put a hold on the card so that it cannot be used.

What is the best way to protect my debit card?

Our mobile app offers a great card management tool (free to use) called MyCard. Simply open your mobile app and click on the menu button. Select "Card Management" and follow the prompts to install it. From there, you can add your debit card and utilize the features of MyCard such as:

  • On/Off - Turn any card on, off, and back on again.
  • Location limits - Set GPS location limits to define where the card can be used, blocking out-of-area use attempts.
  • Transactions and merchant-type preferences provide enhanced spending oversight.
  • Threshold settings adjust spending limits in real time.
  • In-application notifications provide card activity alerts in near real-time
  • Location alerts advise when card usage attempts conflict with selected preferences
  • Usage alerts let you know an unapproved transaction or merchant type is attempted
  • Limit alerts warn you when transactions exceed thresholds
  • Touch ID and Passcode allow for quick card access.


What is your check hold policy?

All checks are subject to a possible hold, the length of which may be determined by the dollar amount. When depositing the item, the teller would be able to give specific hold information (if any).

How can I transfer money in my account?

-Login to Home Banking and on the right side of the page you’ll see “Quick Transfer”. Just select what account you’re transferring the funds from, what account you would like the funds transferred to and enter the amount to transfer. You can add a comment if you would like. Click the transfer button under the comment section to complete the transfer. -Login to the mobile app and under the menu options select “Transfer Funds”. Just select what account you’re transferring the funds from, what account you would like the funds transferred to and enter the amount to transfer. You can add a comment if you would like. Click the “Make Transfer” button under the comment section to complete the transfer. -You can also transfer funds through telephone banking or by speaking with an agent over the phone. There will be a $3 fee assessed if an agent completes the transfer for you. Finally, you can make a transfer with one of our tellers. -*Note that to transfer to a different account electronically or over the phone you would need to be on both accounts.

How can I transfer money to another financial institution from my account?

-By using the P2P option on our mobile app you can transfer funds to anyone by simply knowing their cell phone number or email address. There is a daily limit of $500 for this service. -You are also able to stop into any branch to complete a Wire Transfer.

How can I transfer money to another members account?

Stop into one of our 15 locations and a teller will be happy to assist.

How do I submit a dispute for an unauthorized transaction on my account?

To dispute a transaction there is a form that needs to be completed. You can obtain this form by clicking here, coming into any branch or calling us at (734) 641-8400.

What are PSCU Wire Instructions?

To send a Wire Transfer, you need to come into a branch with the following information: -Receiving Financial Institution Name. -Receiving Financial Institution ABA Number. -Any special instructions. -Name and account number of the person receiving the funds. -Dollar amount of the wire transfer.

What’s the difference between current and available balance?

-Debit card transactions are reflected in the available balance instantly, but the current balance doesn’t reflect the transactions until they finalize, which can take a couple days. -ACH transaction amounts are not reflected in either balance while pending.

Where can I locate the fee schedule?

Our fee schedule can be found here.

Why did I receive a fee?

The transaction description that can be seen from your account activity section in Home Banking or the mobile app will tell you what the fee was assessed for.

Why did I receive a phone call to verify a recent purchase?

If our fraud department suspects any possible fraudulent activity with your debit card usage they will attempt to contact you at the phone number on your account to verify the activity. If they are unable to contact you they may place your debit card on a hold until they are able to confirm that there is no fraud.


Can I apply for an auto loan if I haven’t selected a vehicle yet?

Yes, we can begin the loan process and complete it once you have selected a vehicle.

Can I skip a payment on my loan?

You may be eligible to skip a payment through our Skip-A-Pay product. Product Features: -Loan must be in good standing and have made 6 previous timely payments. -15 day notice is required for any payment to be skipped. -Finance/interest charges will continue to accrue during the month skipped. -Loan’s payoff date will be one month later than the original term to which you agreed. -The fee to skip a payment is $25. -Collateralized loans will be eligible for one skip per year or up to two skips per the life of the loan if a GAP policy is enforced. -Unsecured loans will be eligible for two skips per year. -No loans will be eligible for skip a payment if an extension agreement has been previously utilized. -The Lending Department will have final approval of the skip a payment. Click here to download the Skip a Pay form.

Do you offer auto loans for first time auto buyers?

Yes, and we also have promotions where first time auto buyers can purchase a vehicle with little to no credit. Minimum deposit may be required. Promotion dates will be advertised on our website and in our newsletter.

Do you offer credit cards?

We offer a variety of credit cards options. You can apply for a credit card here or inside any branch.

How can I make a loan payment?

-You can make a payment on your loan by simply transferring funds from your PSCU account to the loan suffix that you want to pay. -To pay your loan from a non PSCU account, click here and follow the prompts. You will be redirected to our loan payment website where you will be able to pay your loan by entering the account information from the financial institution the funds will be coming from. -For a fee of $12 you may call (734) 641-8400 and one of our agents will be happy to take the payment over the phone. -Loan payments can also be made by mailing a check to 7665 Merriman Rd Romulus, MI 48174 or by stopping into any branch.

How can I receive a release of lien for my past auto loan?

Lien releases are mailed to the address on file once the loan has been paid in full. If you misplace it and need another one then you can stop into any branch to have another one printed or call (734) 641-8400 and we’ll be happy to mail another one. *Note that when a loan is paid off with a check the release of lien will be held for 15 days. If paid by cash in a branch, the lien release can be printed for you on the spot.

How do I apply a loan if I’m an existing member?

Existing members can apply for a loan at any branch, by calling (734) 641-8400 and selecting option #2 or by clicking here.

How do I apply for a loan if I’m a nonmember?

Non PSCU members are welcome to apply for a loan oby clicking here or by stopping into any branch. Once the loan is approved, you will be granted membership.

How do I make a credit card or Line of Credit (LOC) payment?

Credit Card payments can be made by clicking here or at any PSCU branch. For a fee of $10 you may call (734) 641-8400 and one of our agents will be happy to take the payment over the phone. Revolving credit lines issued by PSCU are only able to be paid by transferring funds from your PSCU account or inside of a PSCU branch.

What address should I send my loan payments/payoff to?

Payments can be mailed to 7665 Merriman Rd Romulus, MI 48174

What are your loan rates?

Loan rates can be found here.

What are the requirements for a business loan?

-Three years of your most recent business and personal tax returns and/or financial statements. -Personal financial statement. -Know the dollar amount, type of loan you are applying for, borrowing purpose and collateral information, if applicable. -Complete business information -Each owner with 25% or more interest in the business is required as guarantor. -For more information, click here.

What is my loan payoff amount?

The loan payoff amount is how much you will actually have to pay to satisfy the terms of your loan. The payoff amount is different than the current balance because it includes the payment of any interest/late fees that you owe through the day you intend to payoff the loan.


Where can I find the locations and hours?

You can find our locations and hours by clicking here.

Where can I locate shared branch locations and co-op ATMs?

You can find shared branch locations and ATM’s by clicking here.

Member Benefits

Are there any member discounts?

We offer many partner benefits. Simply go to our benefits page to see what we have going on.

What career opportunities do you offer?

Interested in working for a business that cares about you? Look no further than Public Service Credit Union. At PSCU, we provide a diverse and dynamic work environment with core values of taking care of our employees by providing excellent benefits, ongoing training opportunities, a friendly/family atmosphere, and the empowerment to succeed. Click here to see our available jobs.

When is the annual board meeting for members?

The annual meeting is generally held at the beginning of the year. The exact date and time will be announced in the newsletter.