Penn State Federal - Penny Online FAQQ. What is Penny Online?
A. 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
Q. New to Penny Online? How do I set up a username?
A. 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.
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.
Q. How do I access Penny Online?
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.
Enter your password to access your account information.
Q. Why am I asked for a security code?
A. 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.
Q. What happens if I do not enter the security code within 20 minutes?
A. 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.
Q. Why does Penny Online through a mobile phone browser ask for a security code every log in?
A. 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:
- 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.
- 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.
- 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.
Q. How do I know that Penny Online is secure?
A. 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.
Q. I forgot my username, how do I find out what it is?
A. 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.
Q. I forgot my password, how do I get it reset?
A. 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.
Q. How do I log in?
A. 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.
Q. My browser saved my username or password, how do I remove it?
SETTINGS FOR GOOGLE CHROME
How to have Chrome to stop asking to save passwords
By default, Chrome offers to save your password. You can turn this option off or on at any time.
1. Open Chrome.
2. At the top right, click Menu
3. Choose Settings.
4. At the bottom, click Show advanced settings.
5. Under "Password and forms," uncheck the box next to "Offer to save your web passwords" or "Offer to save passwords with Google Smart Lock for Passwords."
To offer to save passwords again, check the box next to "Offer to save your web passwords" or "Offer to save passwords with Google Smart Lock for Passwords."
How to delete a saved password
You can make Chrome forget specific passwords or clear all saved passwords at any time.
1. Open Chrome.
2. At the top right, click Menu Menu.
3. Choose Settings.
4. At the bottom, click Show advanced settings.
5. Under "Passwords and forms," click Manage passwords. A box will appear with a list of saved passwords.
6. In the "Saved passwords" section, select the website and click Delete Delete.
7. Click Done.
SETTINGS FOR INTERNET EXPLORER
This will remove saved usernames and passwords for ALL sites.
1. Open the Tools menu.
2. Select Internet Options.
3. Click Content.
4. Under AutoComplete, click Settings.
5. Click Delete AutoComplete history…
SETTINGS FOR FIREFOX
You can easily manage the usernames and passwords that Firefox has saved for you.
1. Click the menu button on the right hand side of the address bar and choose Options.
2. Click the Security panel on the left hand side.
3. Click Saved Logins found on the right hand side of the page and the Password Manager will open.
4. To see the passwords you have saved, click Show Passwords. When you close the window, your passwords will be automatically hidden.
5. Use the search box to find a particular website or username. Click the X in the search bar to clear your search and see the full list again.
6. To remove the username and password for a website, select the site's entry from the list and click Remove.
7. To remove all stored usernames and passwords, click Remove All. After confirming this choice, all of your stored usernames and passwords will be deleted.
SETTINGS FOR SAFARI
To remove an individual or multiple site passwords:
1. Open the Safari menu.
2. Select Preferences.
3. Switch to the Autofill tab.
4. Click the Edit button for Usernames and Passwords.
5. Delete the entry that corresponds with the site you want to remove.
Q. What is the difference between Penny Online and the Penny Mobile app?
A. 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.
Q. What is the difference between Penny Online and the mobile site?
A. 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.
Q. How do I access Penny Bill Pay?
A. 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.
Q. How do I order checks?
A. 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.
Q. How do I download Penn State Federal transactions into Quicken?
A. 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.
Q. What web browsers are supported?
A. Penny Online works with the newest versions of Google Chrome, Firefox, Safari, Internet Explorer, or Microsoft Edge web browsers. Please make sure that your web browser is up-to-date and receives automatic security updates.
Q. How do I view transactions?
A. 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.
Q. How many transactions can I see?
A. For any open share or loan you can view up to 2 years worth of transactions.
Q. How do I apply for a loan online?
A. 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.
Q. How do I view my E-Statement?
A. 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.
Q. How do I change my password?
A. 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.
Q. How do I change my contact information?
A. 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.
Q. How do I do a Share to Share transfer?
A. From the Account Summary page, click on the Transfer money button that is found on the share that you want to transfer money from. You will be taken to the Transfer money page with the loan that you clicked the Transfer money button as the loan shown in the Transfer from dropdown by default.
Enter the amount you want to transfer in the Transfer amount input box. Choose the share that you want to transfer to from the Transfer to drop down box and the Balance after transfer box will show the new balance.
If you want the share you are transferring to, to be a certain balance, you can choose that share from the Transfer to dropdown and enter what you want the end balance to be in the Balance after transfer box. This will then change the Transfer amount input box to the amount that would need to be transferred to make the ending balance the amount that was entered into the Balance after transfer box.
Q. How do I do a Cash Advance?
A. 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.
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.
Q. How do I do a check withdrawal?
A. 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.
If your question is not answered here, please call 800-828-4636 or 814-865-7728 during business hours, or email for help.