Digital Banking Merger Hub

When is the conversion with CCCU taking place?

On Sunday, June 1, 2025, PFCU will be officially converged into the CCCU banking systems. Your existing PFCU account will transition to a CCCU account. New benefits and features, like access to CCCU branches, Co-Op Shared Branching, and an upgraded Digital Banking platform will be available starting Monday, June 2.

How will this merger affect me?

Our merger with CCCU will bring new financial products like Apex Checking and Mega Money Market, a new digital banking platform with Zelle® integration, and more access to in-person banking through Shared Branching and the existing CCCU and PFCU branches.

Leading up to our June 1, 2025 conversation date, it’s important to note some disruptions to our Bill Pay and Digital Banking services taking place between May 22 – June 2. We encourage you to read through our Merger Guide PDF for the full details, as well as consult the Conversion Timeline and Action Items, all found on our Merger Hub, to better prepare yourself for these changes.

What is my Username?

Your username is used to log in to Online and Mobile Banking. When initially registering for Online and Mobile banking you will be prompted to create a username, which you will use on future logins. Knowing your username will make it easier to log in to the New Digital Banking platform starting June 2.

Don’t remember your username? When attempting to login, select “Trouble Signing In” and then select “Forgot My Username” to go through the Username recovery process.

Want to change your username? When logged in, you can go to “Settings” then “Security and Alerts” and then “Change Username” to create a new username.

When can I use the new Digital Banking platform?

The new Digital Banking experience will be available on Monday, June 2 at 9 am PST.

What should I do when the new Digital Banking is available?

At that time you can access the new PCU Online Banking platform, and download the CCCU Mobile Banking app.

Our First Steps and How To Use sections are here to help get you up to speed quickly on Monday, June 2.

How should I prepare for the disruptions to Digital Banking?

Between May 22 and June 2, disruptions to the usual digital banking experience will take place as our system conversion with CCCU begins. There are a few things you can do to better prepare yourself:

Make sure you have scheduled necessary Bill Pays prior to May 23.
- Access to Bill Pay will be down from May 23 – June 2.
- Payments scheduled through June 1, 2025 will process as normal, and all recurring payments and future dated payments after June 1, 2025, will be moved to our new Bill Pay service.
Make sure you are prepared for not being able to use Online Banking and the Mobile Banking app between May 30 and June 2.
- Debit Cards, Credit Cards, and ATMs will still be available during these dates.
Review your contact information in Online Banking and make sure you know your Username,
- This will allow you to more easily gain access to the new Digital Banking Platform on June 2.
Make sure to download documents from Online Banking by May 30.
- Previous Account history, eStatements, and SavvyMoney will not be available in the new Online Banking system.
Make sure to review the Merger Guide for full details on the merger.

Features

Manage your banking, pay your bills, and stay on top of your finances 24/7. Online Banking is free, secure, and simple!

New Mobile App

Save time and access your accounts on-the-go.

Bill Pay

Manage all of your bills anywhere at any time.

instructions

Mobile Deposit

Use your mobile device’s camera to safely deposit checks into your account.

Zelle®

Send money to friends and family quickly and securely, even if they bank somewhere else.

Budgets and Goals

Create budgets and goals in Online Banking and Mobile Banking app.

Organization Features

Organize your accounts with colors, nicknames, or by hiding them entirely.

Card Control App

Manage your debit and credit cards with ease.

Security

Enjoy security features like Biometric Login and Multi-Factor Authentication.

Transfers

Easily transfer money between your CCCU accounts and accounts at other financial institutions.

eStatements

Save a tree, save time, and avoid potential identity theft by switching from printed to eStatements.

Account Balance Snapshot

Preview account balance in Mobile Banking without needing to log in.

ATM Locator

Find a nearby ATM among the more than 30,000 surcharge-free ATMs nationwide.

First Steps

Starting June 2, 2025

After the conversion takes place, you will need to set up a new password in order to access the new PCU Online Banking platform.

1. Navigate to Online Banking

To begin, visit our website at providencecu.org and navigate to the ‘Login’ button in the top-right corner of the page. From the login drop-down, click the ‘Forgot Password’ link.

2. Accept Disclosure & Select Password Type

Once you are redirected to the ‘Forgot Password’ portal, begin by reading and agreeing to the ‘Forgot Password Disclosure’. Next, you will select ‘Reset my Password’ and click ‘Continue’.

3. Verify Your Identity

Verify your identity by entering your Username, your full SSN, and any 3 of the following questions: email, date of birth, ZIP code, or last name. Once the form is complete, click ’Continue’.

what is my username?

4. Complete Two-Step Verification

Select SMS Text or Voice Call to receive a text/call with your security code to complete the password reset. Click ‘Continue’, then complete the Verification Process by entering the six-digit code from the phone call or text message. Click ‘Verify’ to continue.

It’s important that we have your updated phone number in our records before May 20, 2025,
in order to ensure that you can receive an SMS or phone call during Step 4. Please verify your contact information in your current Online Banking system, or contact your local branch.

5. Create New Password

Create a new password and enter it again to verity. Click ‘Continue’ to complete the change password process. You can now access Online Banking!

How To Use

Further instructions for using core features

Mobile banking

bill pay

transfers

customization

statements

zelle®

CCCU Mobile Banking App

In anticipation of the conversion, be sure to delete the PFCU mobile app and download the new CCCU mobile app on your smartphone device. You can download the Apple or Android versions of the app by clicking on the buttons below.

Once you have the app downloaded, you can enter your username and password to login (Be sure to follow the “First Step” guide if you have not registered a new password).

Mobile Banking App Feature Use

Mobile Deposit:

Mobile Deposit allows you to instantly deposit checks from the convenience of your home, office, or anywhere.

Log into the CCCU Mobile Banking App
Select “Deposit Check” from the bottom navigation
Endorse your check and write “For mobile deposit only at PCU”
Follow the prompts in the app to take photos of the front and back of check

ATM Locator:

Search for an ATM near you. We are part of the Co-Op network with over 30,000 surcharge-free ATMs.

Log into the CCCU Mobile Banking App
Select “More” from the bottom navigation
Select “Locations”

Mobile Wallet:

Your Debit and Credit cards are eligible for contactless payments straight from your phone, after a simple setup. Note: This feature is used in your phone’s default Wallet App, not the CCCU Mobile Banking App.
For help adding your card to your Wallet App, consult the following instructions based on your phone type:

Apple Wallet Instructions Google Wallet Instructions

Account Balance Snapshot:

Preview account balance without needing to log in. To enable:

Log into the CCCU Mobile Banking App
Select “More” from the bottom navigation
Select “Settings”
Scroll to find “Snapshot” and tap to toggle on the feature

Card Control Apps

Dedicated apps to help you manage your debit and credit cards more easily on the go. You can manage transactions, set limits, travel notices, alerts, and even lock and unlock your card if lost or stolen.

CCCU Debit Card App

To download the Debit Card app, search “CCCU Debit Card” in your phone’s app store, or follow your app store button below:

CCCU Credit Card App

To download the Credit Card app, search “CCCU Credit Cards” in your phone’s app store, or follow your app store button below, and learn more in our Credit Card Hub

Bill Pay

To start using Bill Pay, first sign in to your Online Banking Account. To navigate to Bill Pay follow the instructions below:

For additional support, CCCU’s Bill Pay Hotline is available Monday-Friday 4:30am-12:00am PST toll-free at 1.844.357.9663.

Desktop Bill Pay:

Select “Transfer & Pay” from to the top navigation
Then select “Bill Pay”
Once inside Bill Pay, select “Add Payee”
Follow the prompts to set up a business or individual to pay

Mobile App Bill Pay:

Tap on “Bill Pay” in the middle of the bottom navigation menu
Select “Add a Payee” to start paying your bills
Follow the prompts to set up a business or individual to pay

Transfers

To make a transfer, first sign in to your Online Banking account. To navigate to Transfers, follow the instructions below:

Desktop Transfer:

Select “Transfer & Pay” from to the top navigation
Then select “Transfers”
Follow the prompts to set up a transfer to an internal account
To make a Transfer to an External Account, select “More Actions”
Then select “Add Account”
Follow the prompts to set up a transfer to an external account

Mobile App Transfer:

Tap on “Transfers” in the bottom navigation menu
Select “Make a Transfer”
Follow the prompts to set up a transfer to an internal account
To set up a transfer to an external account, swipe over to “Add Account” from the Transfer landing page. Tap on “Add Account”
Select the type of transfer you want to initiate and follow the prompts to complete set up.

Customization

Financial Planning:
Planning for the future or looking for better ways to manage your finances? Let our financial planning tools help set you up for success. In online and mobile banking you can set a custom budgets and goals.

Select “Financial Planning” from Desktop (On mobile select “More” and then “Financial Planning” from the Mobile App)
Set your Budget or Savings goals and you’re on your way to a brighter financial future.

Alerts & Notifications:
Keep your accounts safe and secure with custom alerts and notifications for accounts, sign-ins, budgets, and more.

On Desktop, select “Tools” (On Mobile, Select “More” in the bottom navigation and then “Tools”)
Then select “Alerts and Notifications” in the dropdown menu.
From here you can customize Alerts for various actions and accounts.

Account Display:
Customize your banking experience by controlling the order in which you view your accounts or categorizing their color.

On Desktop, select “Tools” and then “Settings” (On Mobile, Select “More” in the bottom navigation and then “Settings”)
Then select “Accounts.”
From here you customize each account to show up in a different order or color.

Statements

In Online and Mobile banking you can view your Statements and enroll to recieve Paperless Statements (eStatements) instead of mailed statements.

Select “Accounts”
Then select “eStatements”
Here you can view montly statements and/or subscribe to Paperless Statements.

View a sample of your new statement below:

Zelle®

You can securely send, request, or receive money with Zelle^® in minutes.

To get started follow these steps:

Log into the CCCU Mobile app or Online Banking.
In the main menu, select “More” then “Transfer and Pay” and “Zelle^®“.
Once you enroll with an email address or mobile number, you will be ready to start making transactions.
Make a transaction
- To send money select someone from your contacts (add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.”
- To request money choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”.
- To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action.

Miscellaneous

Important product change information for specific users

SavvyMoney Users

As part of our upcoming system transition, SavvyMoney will no longer be available after May 30, 2025. If you’d like to save your most recent credit report, please download it before May 30.

Quicken Users

As part of our new Digital Banking experience, and to create a more secure online experience, Direct Connect will no longer be supported. You will need to download your account information directly into Quicken, or you can manually download to your desktop and then upload to Quicken.