Frequently Asked PCrita (online banking) Questions
Q: When can I use PCrita services?
A: With PCrita you have access to your account information 24-hours a day, 7-days a week.
Q: What is required to use PCrita service?
A: All you need to use PCRITA is a secure browser, such as Microsoft Internet Explorer, Mozilla Firefox 3.0, or Safari 3.0. You can use any computer that has online access.
Q: How do I access PCrita?
A: You must first sign-up for RITA. Once you have a RITA password, you will be able to access PCrita with the same password. Click here to request access.
Q: How current is my banking information?
A: Your account information is updated every business day with new transactions that posted to your account the previous business day.
Q: What accounts will I be able to access through PCrita?
A: You can access your checking, savings, and loan accounts from PCrita.
Q: What happens if I forget or lose my password?
A: Call us at 1-800-325-2697 and we will talk you though the process and you get back into the system immediately.
Q: Is insurance available on noninterest-bearing transaction accounts?
A: NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account.
Frequently Asked Bill Pay Questions
Q: To whom can I pay bills online?
A: You can use Bill Pay to pay anyone from the babysitter to the electric company. The exceptions are tax or other governmental entities, court-ordered payments, payments to payees outside the United States or its possessions/territories, or collection agencies.
Q: How long will it take for my payee to receive my payments?
A: You should schedule your payments at least 5 business days prior to the due date for payments made by check. You should schedule your payments at least 3 business days prior to the due date for payments made my electronic means. The first time a bill is paid, you will not know if the payee accepts electronic payments. Until the payee information has been updated to indicate electronic payment, you should allow at least 5 business days prior to the due date.
Q: Can I set-up reoccurring payments?
A: You can schedule payments for a single one-time payment, monthly payment, weekly and semi-monthly payments.
Q: When I pay a bill online, when will the funds be deducted from my checking account?
A: The funds will be deducted from your checking account by ACH within 3 business of the scheduled Payment Processing Date.
Q: How much does Bill Pay cost?
A: Bill Pay is free for the first 120 days after you sign up. After the 120 days, Online Bill Pay is free for members if you have a Neighbors Credit Union checking account, eStatements, and pay at least 3 bills each month. If you do not meet these requirements, then it only costs $3.95 a month.
Frequently Asked eStatement Questions
Q: How do I view my monthly eStatement?
A: You can access your eStatement by logging into PCrita and clicking on the "eStatements" section located under "Accounts." Your monthly email notification will also provide you with instructions.
Q: Can I receive both paper statements and eStatements?
A: No. You are able to save your statement in PDF format to your personal computer or print out a copy of your statement. If you would prefer to stop eStatements and go back to your paper statements, you can go into PCrita and select "Unenroll" from the "Update Account Data" in the "eStatements" section.
Q: Will I miss out on the great offers that come with my monthly mailed statement?
A: No. With eStatements, you will receive an electronic version of the same inserts that came with the paper statements.