1. How much does PC Teller cost?
2. I tried logging into PC Teller using my PhoneTeller PIN but it doesn't work. Why?
3. Why didn't my transaction show up right away?
4. Why did my connection expire?
5. Are there any limitations on the number or dollar amount of transactions that I may perform in one day?
6. Do I need different PIN numbers to access all the accounts that I have at BayLands?
7. How do I prevent someone who is joint on one or more of my sub-accounts from seeing my balances and making transactions?
8. How do I make a credit card payment on my BayLands VISA using PC Teller?
9. How do I change my PC Teller PIN?
10. Can I use PC Teller to change my payroll or Direct Deposit setup?
11. When I click on the PC Teller button, all I get is a blank screen and I can't login.
12. Why does the amount of interest that I pay on my loan fluctuate with every payment?

• PC Teller access is free. The only charges are for stop-payments and excessive check
  withdrawals.
• The charge for stop-payments on personal checks is the same amount that we charge when you come into our lobby to place a stop-payment
• There is a charge for stop-payments that you ask us to place on Check to Self checks within 15 days of issuance.
• The normal charge for excessive check withdrawals also applies to checks that are withdrawn by PC Teller This fee is charged after 3 withdrawals by check per month. The first 3 check withdrawals each month are free. Remember, this excessive check withdrawal fee applies to any check withdrawals, not just PC Teller If you withdraw funds by counter check by coming into the office, it will count as one of the check withdrawals.

• Your PhoneTeller PIN and PC Teller PIN are separate.
• For security reasons, requests for a PIN to access PC Teller must be submitted in writing with your signature.
• You may download a request form. If you happen to come by the credit union office, we also have many forms available in our lobby.

Scenario:
This past weekend, I made a loan payment by transferring money from my checking account using PC Teller This didn't show up on PC Teller until Monday morning. The withdrawal from checking showed up immediately, but the credit to the loan account did not show up until Monday morning. Am I being punished by having the withdrawal posted right away while the credit is not posted until a few days later?

• This occurred because the transaction was done during the weekend. This will always occur during non-business hours (late at night, weekends, holidays, etc.).
• Even though you did not see the credit immediately, it is effectively dated for the day on which you entered it, so the interest that is paid is the amount that was accrued as of the date on which you entered it.

Scenario
I was trying to reconcile my checking account using Quicken®. I was switching back and forth between PC Teller and Quicken®. I got a message that stated "Your connection has expired. For increased security on this site, connections are expired after a delay of 5 minutes. If you would like to perform further transactions please return to the sign on section." I was looking at PC Teller when I got this message and had recently minimized the screen a few seconds before. I wasn't "delaying" in balancing my checkbook. Why did I get this message?

• The delay is referring to the last time that you pressed one of the buttons on the PC Teller website.
• These buttons do not include the minimizing and maximizing of the PC Teller screen, nor does it include the pressing of the back or forward buttons.
• This is done for the security of your account information to protect you in case you inadvertently left your computer unattended with PC Teller connected.

• This answer has four parts. The limits on number of transactions are as follows

1. Only 6 withdrawals are allowed from your non-transaction sub-accounts (S1, S2) by any combination of PhoneTeller, PC Teller, or phone call to the credit union office per month. This is a federal law, nicknamed Regulation D, with which we must comply. We plan on addressing this issue in the near-future with the introduction of a new type of sub-account which should satisfy the Fed as well as any of our members that want a transaction sub-account separate from their checking accounts. This 6 transfer limitation does not apply to your checking accounts (S10, S11, S12 and/or S36).
2. There is a maximum dollar amount to a transfer using PC Teller It is currently set at $99,999.00. Certain sub-accounts do not allow transfers FROM, but do allow transfers INTO (Insurance Account-S32, Bill Payment Accounts-S35, S40-Visa Club, S41-Visa Sweep, S50-Escrow, S-61 Christmas Club, All loans except Overdraft lines of credit). Other sub-accounts to not allow transfers INTO or FROM (all Certificates).
3. The maximum amount of bill payments in one day is $9,999.99
4. The only other limitation would be the amount of money you have AVAILABLE in the sub-account.

• You will need a PIN for your access and your spouse will need a PIN for his access. You will then be able to access sub-accounts on which you are joint and perform transactions on these accounts.

• Example: Jane Doe, member number 12345, has the following sub-accounts: S1-Savings, S10-Checking, L11-New Car Loan, and L14-Personal Loan.
  John Doe, member number 23456, has the following sub-accounts: S1-Savings, S2-Secondary Savings, S10-Checking, S10.1-Secondary Checking, L12-Used Car Loan, and L79-Home Equity Loan.

• Per the account cards and loan agreements that Jane and John signed when they opened each of these sub-accounts, Jane is joint on John's S1, S10, L12, and L79. When she logs into PC Teller, she will be able to see balances and conduct transactions on her S1, S10, L11 and L14 as well as John's S1, S10, L12 and L79. She will not be able to see or access his S2 or his S10.1.

• Per the account cards and loan agreements that Jane and John signed when they opened each of these sub-accounts, John is joint on Jane's S1, S10, and L11. When he logs into PC Teller, he will be able to see balances and conduct transactions on his S1, S2, S10, S10.1, L12 and L79 as well as on Jane's S1, S10 and L11. He will not be able to see or access her L14.

• To prevent the access of a joint person to your sub-accounts, you will need to remove them as a joint person. To remove them as a joint person, you and the joint person will need to sign an account change card or loan agreement. Please see a Member Service Representative to change information on a share account or a Loan Representative to change information on a loan account.

• To make a payment on your credit card, simply transfer the amount that you would like to pay on your credit card to your S41. The money will be swept out of this account to your VISA Card at 2:45 pm on any business day.

• To change your PC Teller PIN, login to PC Teller, click on the "More" button and then click on "Change Password"

• No. Because of the complexity of payroll deductions and direct deposits, changes to these must be submitted on our payroll forms. Please come by the credit union office or call today if you wish to make changes to your payroll or direct deposit.

• Hold down the control key and press the F5 button. This will do a forced refresh of the web page and should load all of the information correctly.

• This isn't really a PC Teller questions, but since most people notice it when they are researching their accounts on PC Teller, we thought it would be appropriate. All interest on consumer loans at BayLands FCU is calculated using simple interest. Therefore, the longer you wait between payments, the more interest is accumulated. If you pay your loan on a consistent basis (e.g. exactly every 7 days by a weekly direct deposit) you will notice the interest amount gradually decreasing. However, if you make your payment inconsistently you will notice varying amounts of your payment used to pay interest because of the varying number of days between payments. Even if you consistently make monthly payments, you may still see a fluctuation in interest as different months have different numbers of days.