We know it can feel as puzzling as decoding an emoji-only message when having conversations with someone new—especially when that someone is actually a something. But no worries! Here’s a bunch of tips to make it a breeze with our AI Digital Assistant, Penny - now available by phone!

First thing’s first - let’s get you verified!

Simply have your member number, Social Security Number (SSN), and debit card number handy. Penny will use these details to verify your identity securely and efficiently, ensuring a seamless and personalized experience tailored just for you.

Penny can help you stay on top of your finances – easy peasy! Simply say "Account Balance" or press 2, and Penny will quickly get you the latest balances across your account. Stay informed and in control of your accounts with Penny at your service!

Let's move some money! With Penny, transferring funds is a breeze. Simply say "Money Transfer" or "Make a Transfer," or press 1 to get started. Then specify the accounts involved, the amount, and when you want it done - whether it's immediately, on a specific date, or as a recurring transfer. Let Penny handle the rest, ensuring your money moves where you need it, when you need it.

To initiate a money transfer with Penny:

1. Say "Money Transfer" / "Make a Transfer" or press 1
2. Specify the accounts involved
3. Set the amount (minimum $1)
4. Choose when you want the transfer to occur, (immediate, on a specific date, or as a recurring transfer)

Ready to stay on top of your loan payments? Penny has you covered! Just say "Loan Payment" or press 5, then let Penny know whether you're making a loan payment or a credit card payment. Choose the PCU account you'd like to pay from and select the specific loan or credit card to pay. With Penny, it's as simple as that - your payment is processed seamlessly. Need to pay from a non-PCU account? Penny will send you a text with a link to complete the payment.

To make a loan payment with Penny:

1. Say "Loan Payment" or press #5
2. Select "Loan Payment" or "Credit Card Payment"
3. Choose the PCU account you want to pay from
4. Select the specific loan or credit card to pay
5. Your payment is processed!

Need to speak with a someone at PCU?

Simply say "Representative" to Penny, and she'll connect you with a real person who can assist you. Remember, Penny doesn't have feelings, but if she did, they wouldn't get hurt anyway!

Rest assured, there's always someone available to talk to during business hours.

"ROUTING NUMBER"

Penny will provide the routing number and send a text message with those details 

"SCHEDULE AN APPOINTMENT"

Penny will provide locations and send a text message with those details 

"BRANCH HOURS"

Penny will provide the branch hours and send a text message with those details 

"RATES"

Penny will text a link to rates info

"DIAL AN EXTENSION"

Say or press extension. Don’t know it? Penny will provide you a directory

"ATM LOCATIONS"

Penny will provide locations and send a text message with those details 

"LOAN APPLICATION"

Penny will provide a few options (1) a branch visit, (2) will text a link to the online application, and (3) finally offer a call back

"ENROLL IN eSTATEMENTS/

REGISTER FOR ONLINE BANKING"

Penny will send a link or transfer to a representative 

"OPEN AN ACCOUNT"

Penny will provide a few options (1) a branch visit, (2) will text a link to the online application, and (3) finally offer a call back

It's your life.

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