What is Virtual Branch?
Virtual Branch is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Virtual Branch, you can:
- View real-time account balances, check images and history
- 24-hour access to checking, loans and CDs
- Export history to financial software or spreadsheets
- Transfer funds between accounts
- Pay bills online
- Request stop payments
What do I need to bank online?
Banking online is easy. Virtual Branch works well on most of today's browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you'll need to update it. To get started, simply complete the enrollment form to receive your log in information.
What types of accounts can I view with Virtual Branch?
With Virtual Branch, you can view all your PCM Credit Union accounts, as well as loans.
How often is my account information updated?
Account information is updated in real-time, offering you the most current information available.
How secure is my personal account information?
PCM Credit Union uses the latest Internet security available, including secure communications (SSL), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security.
Why am I signed off sometimes and I have to sign in again?
If Virtual Branch has been inactive for a period of time, Virtual Branch may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.
Can I pay my bills using Virtual Branch?
Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)
What type of account is required for Bill Pay?
Bill pay can only be used with a checking account.
May I pay bills from more than one checking account?
Yes.
How far in advance should I set up a payment to ensure it is paid on time?
We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.
Can I transfer funds between my accounts?
Yes, you can transfer funds between any of your PCM Credit Union accounts.
Do I need extra software or hardware to use Virtual Branch?
No extra software is necessary. You can access your PCM Credit Union accounts from almost any PC that has Internet access.
Will Virtual Branch work with my current Internet Service Provider?
Yes, Virtual Branch works with any ISP.
Can I access my accounts from both home and work?
Yes, you can access your accounts from almost any PC.
Will any web browser work for Virtual Branch?
There are two levels of browser compatibility for Virtual Branch: Supported and Allowed. Our Virtual Branch will work perfectly in "Supported" browsers. Browsers shown as "Allowed" will permit you to use all the major functions of Virtual Branch, but may not display some design elements of the screens perfectly.
| Operating System | Supported Browsers | Allowed Browsers |
| Windows 7 | Microsoft Edge 14 and above |
Internet Explorer 9 |
| Mac OS X 10.8 (Mountain Lion) | Safari 10 or above Chrome - Current Stable Version Mozilla Firefox - Current Stable Version |
Mac OS X 10.7 (Lion) with Safari 6.1.6 |
Need Assistance?
If you have additional questions, contact PCM Credit Union for assistance.
