Let us answer your questions.


Private PC FAQ

Updated: February 2014

Enrollment & Fees

How do I enroll in Private PC? Click here to go to the Private PC login page and self-enroll by clicking on the “Not Registered? Sign Up Now” link.  
Or visit Member Services at any branch to get signed up.

Is there a fee to use Private PC?

PrivatePC is a free service of the Credit Union.  When you enroll in PrivatePC you will automatically be enrolled in e-Statements as well.  If you elect to receive a paper statement by mail, you may still use PrivatePC, but there is a $2 monthly fee for the paper statement.

Is there a monthly fee to use Bill Payer?

No, the Bill Payer service is free.

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Security & Passwords

What security safeguards are in place to protect financial information and transactions?

121 Financial Credit Union has implemented a security system that safeguards your money and keeps your account information completely private. 121 Financial has been equipped with a protected environment that uses a nationally recognized networking architecture. It consists of the highest level of data encryption available today (256-bit) throughout the transmission to prevent unauthorized access. Also, no member information is stored on the Web server that is accessed by the public. Member information is safeguarded behind layers of security, which include automatic log out, encryption, firewalls, and PIN lockout.  Multi Factor Authentication is used to protect your account through setting up your personal icon, caption and challenge questions. Click Here for more information on Multi-Factor Authentication.

What are the password requirements for Private PC?

Your password can NOT be the same as your Account Number. Passwords are 6-10 characters in length. Passwords can consist of alpha, numeric, or a combination of alpha and numeric, and are case-sensitive.  You cannot use your address, phone number, name or consecutive numbers or letters (such as 1234) in the password, nor can you use the word “password”.  In order to safeguard your account information it is strongly recommended that you use a password that consists of all four character types:  upper and lowercase letters, numbers and symbols.

What is Multi-Factor Authentication?

Multi-Factor Authentication relies on more than one type of authentication. A PIN or password alone is representative of single factor authentication. Adding additional authentication mechanisms - such as the icon/caption results in Multi-Factor Authentication. Click Here for more information on Multi-Factor Authentication and setting up your personal icon, caption and challenge questions.

I forgot my password. What do I need to do?

On the Password login page, click on the "Forgot your Password/Pin" link to use our Password Reset tool to reset your password.  This tool requires that you have previously established a security question and answer from within Private PC.  If you have not done this, please contact Member Services to have your password reset. If you have set up a Password Reset Security Question, you may answer it and then reset your password. To enable/set up your Password Reset Security Question go to Preferences, then Password/PIN reset.

I forgot my Multi-Factor Authentication challenge question answers. What do I need to do?

Please contact Member Services to have your account reset.

I enrolled in Private PC, but haven't used it in a while, and now I can't log in. Why not?

Private PC is disabled on accounts that have had no internet banking activity for 90 days.  Your account will need to be re-enrolled in Private PC. This is a security feature intended to reduce the possibility of members’ online accounts being accessed without their knowledge.

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What is the best browser/platform combination to use to access Private PC?

PrivatePC is optimized for use with most of the current Internet browsers.  Members should make sure that they are using the latest versions available to help ensure the security of their transactions.  When new versions of browsers are introduced it may be necessary to access PrivatePC using “compatibility mode” to ensure that the pages display and function correctly.  Consult your browser’s help for information on configuring and using compatibility mode.

What are "cookies" and do I need them to be enabled?

Yes, you must have cookies enabled to access Private PC.   Please refer to your Browser's respective documentation for help in enabling cookies.
Web sites use cookies to simulate a continuous connection to that site. This makes it more convenient for users by allowing them to visit pages within a site without having to reintroduce themselves with each mouse click. Contrary to popular fears and misconceptions, cookies were not created to spy on or otherwise invade the privacy of Internet users. Cookies contain only information that users volunteer, and they do not have the capability of infiltrating a user's hard drive and sneaking away with personal information. The simple function of a cookie is that of helping the user navigate a web site with as little obstruction as possible.

What is the correct website (URL) for Private PC?

To login to Private PC, go to https://121fcu.org and select the Orange “Online Banking Login” Button. To insure you are using the correct, secure online banking, make sure the URL reads https://ppcplus.121fcu.org.

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Account History

How much transaction history can I view on Private PC?

You can view up to 12 months of history on your savings, checking and loan accounts.

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When do transactions post to my account?

Just like ATMs and Private Line, your transactions will post in a real-time mode.

How many transfers can I make from my Savings account per month?

Effective January 1, 2010, our Regular Savings Account is no longer subject to Regulation D restrictions, meaning you can make unlimited in person and electronic transfers from your savings account. Regulation D restriction allowing up to 6 withdrawals or transfers to another credit union or 3rd party by a preauthorized or automatic transfer, computer transfer, or telephone transfer is still applicable to Holiday and Reserve Savings, and Money Market Accounts.

How do I make transfers from my account?

You can process a funds transfer in many different ways. You can process an immediate transfer by simply choosing a TO and FROM account, entering an amount and then process by selecting the Transfer button. The transfer will be processed immediately. You can also schedule a future dated one-time transfer simply by changing the start date to a future date. The transfer will be processed on the future scheduled date. Lastly, you can schedule a recurring transfer of funds between accounts by selecting a frequency and either the number of transfers you wish to process or an end date.

The Credit Union will process any scheduled transfers at 4:00 pm on the day scheduled. (Note: If you schedule a recurring transfer to start on the current date prior to 4:00pm, the first transfer will take place that day at 4pm. After 4pm, if you schedule a recurring transfer to start on the current date, the first transfer will not be processed until the next day.)

To view transfers you have scheduled, click on the “View Scheduled Transfers” link that is located at the bottom of the Transfer Funds page. On the Scheduled Transfers page, you can modify or delete a scheduled transfer.

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What are e-Statements?

e-Statements are an electronic version of your monthly or quarterly statements available via Private PC. E-Statements take the place of your mailed paper statement.

How do I sign up for e-Statements?
When you enroll in Private PC, your account is automatically enrolled in e-Statements.  If you previously unenrolled and would like to re-enroll in e-Statements, simply click on the "Your Preferences" button located on the menu bar within Private PC. Click on e-Statement selection.  Then choose "electronic" from the drop down box.  Finally, read or print the Electronic Statement Disclosure and select "Yes" at the bottom to save your selection.

When will my selection to e-statements be active? After agreeing to the e-Statement disclosure, you will be able to immediately begin viewing e-Statements.  Your selection at the time statements are produced on the last business day of the month will determine whether your statement will be mailed or available via Private PC.

How do I receive and display my e-Statements?

Simply click the "e-Documents/Online Forms" button located on the menu bar within Private PC. Click "e-Statement".  Finally, choose the month and year you want to view from the drop down box and click the "View" button.

How do I print my e-Statements?

A statement may be displayed in one of three ways as plain text, an image file, or as an Adobe PDF file.  Choose the version that best suits your needs from the drop down menu and click the “View As” button.  The statement will display on the screen in the format you have chosen.  For the text and image versions of the statement Print Page and Print Statement buttons will appear, click the appropriate button and your statement will print.  For the PDF version of the statement place your mouse cursor inside the statement window and a function bar will appear at the bottom of the window.  Click the printer icon and the statement will print.

How do I save e-Statements to my PC?

Choose to view your statement as a PDF and place your mouse cursor in the statement window.  The function bar will appear at the bottom and you can click the disk icon to save the file to you computer.  You may then save the PDF file to your computer.

Can I receive both an e-Statement and a paper statement via US Mail?

No, you can either receive a paper statement or an electronic statement. You can't receive both.

When will my monthly or quarterly e-Statements be available?

e-Statements for the prior calendar month will be available for viewing no later than five (5) business days after the last business day of the calendar month.

How do I cancel e-Statements?

To cancel e-Statements, click on the "Your Preferences" button located on the menu bar within Private PC.  Select "e-Statement selection" and then choose "US Mail" from the drop down box and click on the Change button.  Scroll down and read the Disclosure for US Mail selection, then click on Yes to save your selection.

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Share Draft (Check) Images

What are share draft (Check) Images?

Share Draft Imaging is a service that allows you to view images of your cleared share drafts online. These images can be viewed, printed, or saved at your convenience, anytime, anywhere you have internet access.
Is there a cost for this service?

Share draft imaging is a free service for 121 Financial members that have enrolled in Private PC and e-Statements.  If you are enrolled in Private PC but have elected to continue to receive a paper statement, there is a $2 monthly fee for Check Imaging services.

I have to be enrolled in Private PC to use the share draft imaging service?

Yes, share draft images are only available through a secured log-in using Private PC. 

How do I sign up for share draft Imaging?

If you are enrolled in Private PC you will automatically have access to share draft Imaging.

How do I view my share draft images?

Log-on to Private PC and view your share draft history. Share draft numbers will appear as hyperlinks in the "Description" field...For example: (Item # 3271). Simply click on the check number hyperlink to display the front and back images of the share draft.

How do I print share draft images?

You can print your share draft images by selecting the Print button in your browser.

How do I save share draft images?

You can save share draft images to your PC's hard drive.

In Internet Explorer and most browsers, right click on the image and select "Save Picture As". Then choose a name for the share draft image and type it in the "File Name" field. Finally, click the Save button to save the image as a bmp file. If you wish to save the share draft image as a gif file type the whole name in the "File Name" field. (For example call it check123.gif)

Note: Using either command above requires that you save the front and back share draft images separately.

How far back does the share draft history go?

Share Draft Images will be stored for 90 calendar days. If you need an image of a draft that cleared prior to the last 90 days, please contact a Member Service Representative at any branch or by email at Member Services.

Why can't I view a draft that cleared today?

Cleared drafts are available by 3:00PM the next business day. 

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eMail Services

What are eMail Services?

eMail Services enable 121 Financial Credit Union to use electronic mail to notify members (who have opted in for the service) of important events that occur on their account. By opting in for this service you acknowledge that 121 Financial may use the email address you have provided to send you email. You may elect to receive or not/receive some types of emails but you may automatically qualify for other types of emails. The different types of emails are noted on the 'Preferences' page.

How do I opt in for eMail Services?

You can opt in to eMail Services by performing the following steps:

  1. Log onto Private PC.
  2. Click Access Accounts on the Menu bar.
  3. Click eMail Notification
  4. Click the button for the function you wish to set up and click Continue.
  5. For those functions that have disclosures, click View Disclosure (be sure to read and understand the disclosure before proceeding).
  6. Use the Submit and Back buttons to go back to the subscription page.
  7. Select the email you want to receive and click Submit.

Is there a fee to use eMail Services?

No, it's free.

Will my email address be shared with other companies or affiliated third parties without express permission from me?

No. Your email address will not be shared with other companies or affiliated third parties without express permission from you.

What happens if I change my email address?

121 Financial Credit Union acknowledges that members may change email service providers from time to time and therefore have to change their email address. If we send an email to the email address that you have provided and that email is returned as undeliverable several things will happen.

  • The email system will automatically attempt to resend the email at least one more time as issues like hardware problems with your email service provider could have caused the failure. If the second attempt to send you the email is rejected then our system will automatically mark your email address as bad. This will prevent future emails from being sent to the 'bad' address. This will not stop emails that were created and transmitted prior to your email being marked as bad. After an email address is marked as bad, our system will inform you of the bad email address upon your next login to Private PC and give you the opportunity to change it. This same message will also be presented to our tellers when your account is accessed.

Why is my email address flagged as bad, but it's actually a valid email address?

There are instances where the bad email address flag could be set on your account, but your email address is valid. Some examples are:

  • The email address may be perfectly good, but the destination mailbox is full, so the email provider refuses receipt. In this case, the email is returned to 121 Financial as undelivered and we will mark the email address as bad.
  • The email address may be perfectly good but the destination server is too busy. Sometimes this happens, and in these cases if enough delivery attempts have been made unsuccessfully, our server gives up and marks the message as undeliverable and we flag the email address as bad. The destination email address may be perfectly good, but the destination server is actively trying to eliminate SPAM mail. The destination email server may look at the message we send and determine that it looks like an advertisement or some other kind of nuisance. It may reject the email, and yes, we would mark the message as undeliverable and flag the email address as bad.

How will I be notified if my email address is bad?
If your account is flagged with a bad email address, we will inform you of the bad email address upon your next login to Private PC and give you the opportunity to change it. This same message will also be presented to our tellers when your account is accessed.
Does eMail Services send the email notification in HTML or Plain Text?
You can choose to receive HTML or plain text messages by performing the following steps:

  1. Log onto Private PC
  2. Click Access Accounts in the Menu bar
  3. Click e-mail Preferences and click continue
  4. Select the appropriate choice
    • HTML allows you to receive email that may contain text and pictures
    • Members who use email that does not support HTML may choose to receive email with text only. You may choose text-only messaging to shorten download time.
  5. Click Save

What if I no longer want to participate in eMail Services?
If you find that you are no longer interested in eMail Services, you can remove yourself by opting out by performing the following steps:

  1. Log onto Private PC
  2. Click Access Accounts in the Menu bar
  3. Click the e-Mail Notification.
  4. Click the Cancel e-Mail Notification link.
  5. Check the box next to “I don’t want to receive any more emails” and click Submit. Gain

Please note that unenrolling from email alerts also unenrolls you from electronic statements and you will incur a $2.00 monthly fee for the mailed paper statements.

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What is an eLert?
An eLert is an email message that is triggered by an event or condition that occurs to a subscribing members account. You can subscribe to any available eLert and must enter the specific details each individual subscription requests.

How often will I receive an eLert?

You will only receive an eLert if the conditions you specify in subscribing to that eLert are met.

How do I access eLerts?

You can access a list of your current eLert subscriptions, and subscribe to additional eLerts as follows:

  • Log into Private PC.
  • Click the Access Accounts button in the Menu bar.
  • Click the e-Mail Notification button.
  • Click e-Lerts Options and then Continue to display the list of current eLert subscriptions.
  • If you have none configured, click Add eLert to display the list of current eLert subscription options.
  • Select the eLert you want to subscribe to, and click Add eLert.
  • Enter an appropriate value for each of the variables in the Options area of the screen. These values will help determine when or if the delivery of this eLert is ever triggered.
  • Enter a reminder note, if you wish, that will appear as part of the eLert when or if it is delivered to you.
  • Click Continue. The next screen that appears asks you to confirm your intention to add this eLert subscription.
  • Click Yes to add this eLert. The next screen that appears confirms that the eLert has been successfully added. The eLert subscription task is completed.

What eLerts are available?

The following eLerts are now available:

  • Check Number Range Cleared eLert when a check, for a checking account, in a specified range clears
  • Loan Payment Past Due eLert when a loan payment is past the due date
  • Share Balance Below a Value eLert when a share account balance goes below a value
  • Share Withdrawal Above a Value eLert when a withdrawal from a share account is above a value
  • Share Deposit Above a Value eLert when a deposit to a share account is above a value

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I can’t access BillPayer.

There is a notification as you sign into home banking that should resolve your problem. You should see a notification bar at the top of your web browser that is blocking the popup, as BillPayer opens within a new Private PC window. Permanently allow popups from https://ppcplus.121fcu.org and that should resolve the issue.  Consult your browser’s documentation for information on how to configure popup blockers.

Do I need Private PC to use Bill Payer?

Yes, you will need to have Private PC and a checking account with 121 Financial.

How do I sign up for Bill Payer?

When you log in to Private PC, click on the "BillPayer" button on the menu bar.

Is there a monthly fee to use Bill Payer?
No, the Bill Payer service is free.

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Other Services

Can I download my account information into a personal finance manager software (i.e., Microsoft Money or Intuit Quicken)?

Microsoft Money and Intuit Quicken are both available for use with Private PC.  See Microsoft® Money FAQ and Quicken FAQ for more info.  

Can I reorder share drafts on Private PC?

To reorder checks from Liberty, click on the Access Accounts button on the menu bar within Private PC and click Account Summary. On the Account summary page click the Share Draft account that you need to order checks for.  Click the Order Checks link.  This will take you to the Liberty Check Ordering website.

Can I apply for a loan using Private PC?

To apply for a loan, click on the "Loans" button on the left vertical menu bar within Private PC. Click on "Application" to apply for a loan. After your loan application has been submitted, a Loan Officer will contact you by 5pm the following business day.  You can also check on the status of your loans by clicking on the "Loan Status" button.

Can I order U.S. Savings Bonds through Private PC?
No, you can no longer order Savings Bonds through PrivatePC.  Effective December 31, 2011 U.S. Savings Bonds can only be purchased electronically through the Department of the Treasury’s website, TreasuryDirect.gov

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How much is a stop payment fee?

A stop payment requested through Private PC is $35.00 for one check (or $35.00 for a sequence of checks that are submitted as such.)  However, if you submit several checks individually that happen to be a sequence - such as check 305, 306, and 307 - they will be charged $35.00 per check.

Why can't I view all the images in Private PC?

PrivatePC is designed to be displayed on the most common display size in current use. If you cannot see all the images in Private PC, then your screen resolution is likely set too low. The optimum screen resolution is 1024 x 768. In most browsers you can also zoom the screen in or out by holding down the Ctrl key and rolling the wheel on your mouse.  In most cases this will allow all of the components of the pages to display.

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