FAQ

Penny Online is the home banking website of Penn State Federal Credit Union, which is available at www.pennstatefederal.com. It is a no fee service that is available 24 hours a day, 365 days a year. All it takes is a supported web browser, internet access, and a valid username.

With Penny Online members are able to:

• View account balances
• View and print account activity (Up to 2 years of transactions)
• View your E-Statements
• Transfer money between Penn State Federal accounts
• Pay your Penn State Federal loan
• Pay your Penn State Federal Visa Credit Card
• Withdrawal funds (we will mail you a check!)
• Apply for a loan
• Reorder checks
• Use Penny Bill Pay to pay your bills

If you don't have a username to access Penny Online you need to contact the credit union to set up a username. When talking with a credit union representative there are some requirements for a username.

Username Requirements:
Must be a minimum of 3 characters with a maximum of 20 characters.
Must not contain any symbols or special characters
Must start with a letter

When a username is newly created, a temporary password will be provided to you. When first logging into Penny Online, you will need to change this temporary password. Your new password will need to be within the password requirements described on the Change password page. Passwords are case sensitive.

First you have to find your way to www.pennstatefederal.com. You may do this by entering www.pennstatefederal.com in your browser's address bar, doing a web search for Penn State Federal Credit Union or maybe you have a bookmark to www.pennstatefederal.com.

Whichever method gets you to our website, you will need to enter your username in the upper right hand corner of the page and click Login button.

You will either be asked to obtain a security code, and then enter your password to access your account information.

-OR-

Enter your password to access your account information.

To help protect the security of your account, we will send you a security code that must be entered in order to log in. The security code allows us to double-check your identity and prevents unauthorized access to your account. Depending on the contact information that we have on file, we can send you a security code one of three different ways.

Methods to receive a security code:

• Receive security code by text
• Receive security code by email
• Receive security code from a credit union representative.

When you receive the security code, you must enter the security code within 20 minutes. Afterwards, you will be asked to enter your password. After you have successfully entered your security code and password, the location where you're logging in will be remembered as a trusted location so that you do not need to repeat the security code process the next time you log in.

If there is a problem receiving the security code, or if you do not enter the security code within the 20 minute time limit, you may simply return to www.pennstatefederal.com and repeat the process to log in and receive a new security code.

Penny Online uses location-based security. If you are on a mobile phone and using data/3G/4G, then you are frequently moving from cell tower to cell tower with your location changing. This means Penny Online will show the "New Location" page and ask for security codes. Here are three suggestions to help:

1. Make it as easy as possible to receive security codes
   Make sure you have an up-to-date mobile phone number and email on file at the credit union, so that you can easily receive security codes when needed.
2. Use home WiFi
   If you have WiFi at home, and are able to connect your phone to WiFi instead of data, then you should only need to enter a security code once to make your WiFi become a trusted location.
3. Use Penny Mobile app
   Penny Mobile uses device-based security and only asks for a one-time-PIN when you buy a new phone. Penny Mobile is available in Apple's App Store and in Google Play.

After entering your username on www.pennstatefederal.com you will notice that the address bar has changed to secure.pennstatefederal.com. In addition, the address bar will be green with a security padlock. This indicates an Extended Validation certificate is in use. This is the highest class of a SSL (Secure Sockets Layer) certificate available.

If you are logging in from a new location or for the first time, you'll be asked to enter a security code. This can be obtained in one of three ways. You can have a security code sent to your mobile phone, your email address, or you can speak with one of our credit union representatives during business hours. This security code protects your account with two-factor authentication.

When entering your password, you will be greeted by first name. This greeting, in combination with the address bar certificate, helps to prove that you are using the genuine Penny Online. Looking for these indicators before entering your password will help to protect you against fake "phishing" websites.

These security measures must be completed successfully before you will be granted access to account information.

If you don't know your username, you will need to contact the credit union and answer a few security questions to verify your identity and then you will be given your username.

If you have forgotten your password, a signed request to change the password is required. You may send in your signed request by fax, email or by dropping it off at one of our branch locations.

Visit www.pennstatefederal.com and enter your username into the Username box found in the upper right hand corner of the site. After entering a valid username you will either be asked to enter your password, or to obtain a security code.

Penny Online is accessed by using your web browser to log in at www.pennstatefederal.com. The Penny Mobile app can be downloaded to your mobile device from the Google Play Store or Apple App Store. Both Penny Online and Penny Mobile allow viewing account balances, viewing transactions, and transferring money. Penny Online has some features which Penny Mobile does not: view E-Statements, change address, change password, and apply for loan. Penny Mobile has some features which Penny Online does not: mobile deposit checks by taking a picture.

When entering www.pennstatefederal.com in your web browser on your mobile phone, you will be redirected to our mobile banking site. This is an alternate version of our website which is designed for small phone screens. However, if you would prefer to use our full site on your mobile device, you can choose "Full Site" to return to www.pennstatefederal.com.

From the Account Summary page, the click the Penny Bill Pay button found on your checking share. This will take you to the Penny Bill Pay page which explains about how Penny Bill Pay should be used. From this page click the Penny Bill Pay button to be taken to the Penny Bill Pay site and start setting up your payees and paying your bills.

From the Account Summary page, click the Order checks button found on any checking share you may have on your account. When clicking this button you will be taken to the Order Checks page giving you information on the checking share that the button was clicked. It also mentions that you will need a Control Number that is provided from our check ordering vendor. When you click the Reorder checks button you will be taken to our check ordering vendor's website, go through the check ordering process and have your checks sent directly to your home.

In order to download your Penn State Federal transactions into Quicken, open your Quicken software then use "One Step Update" then follow the on-screen instructions.

Penny Online works with the newest versions of Google Chrome, Firefox, Safari, or Microsoft Edge web browsers. Please make sure that your web browser is up-to-date and receives automatic security updates.

Once logged in you are brought to the Account Summary page, to view transactions of a share or loan click the View Transactions button located on that share or loan. By default you will then see 2 months of transactions for that share or loan.

For any open share or loan you can view up to 2 years worth of transactions.

From the Account Summary page, click the Apply for loan button found at the top of the page. You will be taken directly to the loan application in a new tab. From there you can walk through the loan application process.

From the Account Summary page, click on the View E-Statement button found at the top of the page. You will be taken directly to our E-Statements page in a new tab, where you can click and view your statement.

From the Account Summary page, click the Change password button found at the top of the page. You will be brought to the Change password page, where you asked to enter your current password in the Current password input box and to enter a new password in the New password input box. It states the password requirements under this input box. You are asked to retype the password in the Retype password input box. There is advice to follow when creating a password on the right hand side of this page, we recommend that you follow.

From the Account Summary page, click on the Change contact information button found under your name at the top of the page. You will be brought to the Change contact information page. Here you can change your mailing address, phone numbers and email address.

From the Account Summary page, click on the "Transfer money" link that is found on the left side panel. You will be taken to the Transfer money page. Choose the share you want to transfer from using the "Transfer from" drop down box. Choose the share that you want to transfer to using the "Transfer to" drop down box. Enter the amount you want to transfer in the "Transfer amount" box.

Click the "Transfer" button. You will then be taken to the Confirm transfer page and then the Print your receipt page.

From the Account Summary page, click the Cash advance button found on either a Visa loan or Access Credit Line. You will be taken to the Transfer money page with the Transfer from drop down box displaying the corresponding loan selected from the Account Summary page. You may then select a share from the Transfer to dropdown for the advances funds to be deposited into.

Enter the amount you want to transfer in the Transfer amount input box. Select a share from the Transfer to drop down box and the Balance after transfer box will display the new balance.

-OR-

If you would like for a share to be a certain balance, you can choose the share from the Transfer to dropdown and enter the desired balance in the Balance after transfer box.

From the Account Summary page, click the Check withdrawal button on the share that you would like to have a check withdrawn from. The Withdrawal from drop down box will default to the share the Check withdrawal button was clicked on from the Account Summary page. Enter the amount you would want the check to made out for in the Withdrawal amount box. It will show you who the check will be payable to and the address the check will be sent to. Click the Process withdrawal button. You will be asked to confirm the check withdrawal, click the Process withdrawal button. Then you will be taken to the Receipt page. The check will be processed and mailed to you.