Upcoming Technology System Enhancement
Between 2/25 - 2/28/2022, we are performing a full system enhancement in order to better serve our members.
What You Need To Know
To further enhance our ability to serve your financial needs, and strengthen the security of our systems, we are performing a full technology system enhancement between Friday, February 25th and Monday, February 28th.
While most of this will occur behind-the-scenes, there will be some impact to our members, including:
- Our offices and Call Center will be closed Monday, February 28th.
- Online/mobile/telephone banking will be unavailable or experience limitations between 6PM on Friday, February 25th and Monday, February 28th.
During this time, you will still be able to use your debit/credit cards. Palmetto Citizens ATM cards can be used for cash withdrawals at PCFCU ATMs, but may not be available for transactions at non-PCFCU ATMs or for point-of-sale purchases. Once this upgrade is complete, you will use your same login and password for online/mobile/telephone banking.
Further details regarding this system enhancement are below. We apologize for any inconvenience and appreciate your patience as we complete this system enhancement.
System Downtimes & Steps You Can Take
Palmetto Citizens Product or Service | Impact on You | Steps You Can Take to Prepare |
---|---|---|
Online, Mobile & Telephone Banking | Unavailable or will experience limitations from 6pm on Friday, February 25th through Monday, February 28th. | Check your balances throughout the week prior to our downtime and keep track of your purchases and transactions. Your login and password will remain the same. |
Debit & Credit Cards | No service interruption. | No steps needed. |
ATM Cards | PCFCU ATM Cards (not debit/credit cards) may not be available to use for point of sale transactions or at non-PCFCU ATMs from 3:30pm on Friday, February 25th through Monday, February 28th. ATM cards can still be used for cash withdrawals at PCFCU ATMs. | If you need to withdraw cash, plan to visit a PCFCU ATM, or visit a non-PCFCU ATM prior. If you usually use your ATM card for purchases, plan accordingly as these transactions may not be approved during this time. |
Palmetto Citizens ATMs | Our ATMs will be down from 6pm - 7pm on Friday, February 25th and may not have full-service capabilities from 7pm on Friday, February 25th through Monday, February 28th. Non-PCFCU debit/credit/ATM cards will not be able to access our ATMs during this time. | Aside from the time noted, PCFCU ATMs should be available for withdrawals, however balance information will be accurate as of 6pm on February 25th. Other system functionality may be limited. You will be able to use your debit/credit cards at non-PCFCU ATMs. |
Palmetto Citizens Offices & Call Center | Our service centers and Call Center will close at 6pm on Friday, February 25th and will be closed Monday, February 28th. We will re-open on Tuesday, March 1st. | Visit an office, contact us by phone or by using the Help Desk in online/mobile banking earlier in the week of February 21st for any assistance or questions regarding this upgrade. |
Scheduled Loan Payments & Recurring Transfers | Loan payments and transfers scheduled for Saturday, February 26th through Monday, February 28th will occur on Friday, February 25th. | No steps needed. If this transfer/payment occuring early caused you to overdraft your account or have a negative balance, your account will not be charged any fees. We apologize for any inconvenience. |
Loan Payments & Transfers using Online/Mobile Banking | Unavailable from 6pm on Friday, February 25th through Monday, February 28th. | Complete all tranfers and loan payments within online/mobile banking prior to 6pm on Friday, February 25th. |
Text/Email Alerts | Unavailable from 6pm on Friday, February 25th through Monday, February 28th. | No steps needed. |
Quicken & Mint Connections | Quicken and Mint users may not have access to their account information in these systems during and after our system conversion. You will need to modify your Quicken settings to ensure your data transfers correctly. | View Instructions |
Changes You'll See After the System Upgrade Is Complete
Most changes we are completing during this time will be unnoticeable to you, however, there will be a few to note:
Member Number Centric to Person Centric
Previously, our system was set up to view by member number. Our new system will view by an individual's overall relationship with Palmetto Citizens. This means any account(s) you are joint on (under your Social Security Number) will now be viewable under a single login for online/mobile banking or by our staff while assisting you in an office or over the phone.
Account Suffixes
Your member number, our routing number (253978617) and your checking account number (begins with 41300) will not change. However, your individual account suffixes will change from the current format and will automatically update once our system conversion is complete.
Our new system will focus on the name of your account rather than your account number, so you can use this when seeking account assistance from our staff. You can always update the name of most of your accounts using online/mobile banking or by contacting the credit union.
All loan types will include an L as part of the account number suffix, and any deposit type account will include an S (we will no longer use an I as part of our term certificate or IRA account numbers). If you need to view your account number(s), you will be able to see them in online/mobile banking or obtain them from a staff member.
As an example of this new format, if your primary member number is 12345:
- Currently your primary savings account is 12345 S1. After our upgrade, it will become 12345 S 0100.
- An L78 Overdraft Protection Line of Credit would change from 12345 L78 to 12345 L 0780.
- An I7 12-17 Month Term Certificate would change from 12345 I7 to 12345 S 2000.
- An L18 48-60 Month Term Vehicle Loan would change from 12345 L18 to 12345 L 4000.
Palmetto Citizens Online, Mobile & Telephone Banking
While our online, mobile and telephone banking systems are not changing, some of the services and items you see may be a little different.
- Online/Mobile Banking: your username and password you have currently for these systems will not change and can be used to log into your account after the upgrade is complete. The overall look and feel of these services will remain basically the same.
- Account History: your transactions will be the same and accurate, but the way they display in Palmetto Citizens online/mobile banking may look slightly different.
- TellerLine (automated telephone banking system): Once the service is restored, your previous log in information will remain the same. You can also call this number and enroll in this service if you have not already done so by following the prompts. To reach Tellerline, call 803-256-4073 or 1-800-521-4497.
Our Website & Online Applications
Our Online Applications for new accounts and loans found within online/mobile banking and our website will change and be easier to use and access from a mobile device.
Experience in Our Offices
Once this technology system upgrade is complete, our staff will still be able to assist you with all your financial needs and questions with the same level of quality, friendly service you've come to expect from Palmetto Citizens. However, there will be some minor changes to assist us in best serving you:
- Current ID Required: If we do not have a current (non-expired) valid driver's license or other acceptable form of ID on file for you, you will be asked to provide one to complete most transactions or requests.
- Transaction Form: We will begin using a new transaction form in our offices and in our drive-thru to assist you in requesting most transactions. The new form will be streamlined and easier to use.
- Receipts: The receipts you receive in our offices will have a new design but will still have the information you need.
February Statements
Monthly statement recipients will receive two February statements from us - one with account transactions from February 1-25 from our old system, and one with account transactions from February 25-28 from our new system. If you typically receive quarterly statements, you will receive a statement from us with account transactions from January 1 - February 25, and then another statement from February 25 through March 31.
Verify Your Contact Information
To ensure you receive any important information related to this system enhancement and any impacts it may have on you during this time, please make sure we have your current contact information.
To verify and update your email address, phone numbers or addresses (physical or mailing), please log into online/mobile banking and choose ‘Settings’ from the menu (full steps outlined below), call 803-732-5000 or visit any of our office locations.
To Update Using Online Banking:
- Log into your account through our website.
- Click on either the gear/cog icon in the top right side of the screen (next to the Question Mark Help icon and Log Out button) or choose ‘Settings' from the bottom of the side menu (three bars in top left side of screen next to Account Summary).
- This will bring up your Personal Profile Settings where you can click on the specific contact information you would like to verify and/or update.
- Based on your security settings, in order to update this information, the system will either send a One Time Password you will need to enter or ask you to answer a Challenge Question to confirm and finalize your requested information change.
To Update Using Mobile Banking:
- Log into your account through our app (found in the Apple App Store or Google Play).
- Click on the side menu (three bars in top left side of screen) and choose ‘Settings' from the bottom of the menu.
- You will then click on the 'My Account Profile' blue button to bring up your Account Profile Settings where you can click on the specific contact information you would like to verify and/or update.
- Based on your security settings, in order to update this information, the system will either send a One Time Password you will need to enter or ask you to answer a Challenge Question to confirm and finalize your requested information change.
If you need any assistance updating your contact information, or if you have any questions regarding this upcoming system enhancement, please contact us by sending a message using the Help Desk in online/mobile banking, calling 803-732-5000 or visiting any of our office locations.