Special Closing – Tues, 3/31

On Tuesday, March 31st, all 121 Financial Branches will close at NOON to facilitate the system merger with Duval Federal Credit Union.

Please note that from noon until approximately 9 a.m. Wednesday, April 1st, Online Banking, Mobile Apps (including Remote Deposit), and Private Line will also be unavailable.

We apologize for the inconvenience and thank you for your cooperation.

Attention Duval FCU Members

When logging on to home banking, use your NEW 121FCU account number and the last FIVE digits of your SSN as your password. You will be prompted to change it.

To access your DUVAL credit card information, visit EzCardInfo.

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Online Banking is Down

Special Closing – Tues, 3/31

On March 31st, all 121 Financial Branches temporarily closed to facilitate the system merger with Duval Federal Credit Union. Online Banking unavailable until April 1st at approximately 9 a.m. [More…]

Mobile Apps, Remote Deposit, and Private Line will also be unavailable.

We apologize for the inconvenience and thank you for your cooperation.

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Private PC FAQ

These are Frequently Asked Questions about Private PC. Click on each question to view the answer.

Enrollment & Fees

1. 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.
2. Is there a fee to use Private PC?
Private PC with e-Statement enrollment is free. When you enroll in Private PC you are automatically enrolled in e-Statements. If you elect to receive a paper statement by mail, there is a $2 monthly fee.
3. Is there a monthly fee to use Bill Payer?
No, the Bill Payer service is free.

Security & Passwords

1. 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 (128-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.
2. What are the password requirements for Private PC?
Your password can NOT be the same as your Account Number. Passwords are 8-16 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.
3. 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.
4. 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.
5. I forgot my Multi-Factor Authentication challenge question answers. What do I need to do?
Please contact Member Services to have your account reset.
6. 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.
7. How can I change Passwords and add/change Security Settings in Private PC?

Members can reset their own passwords and security settings.

For a step-by-step guide with images, view the PDF.

Browsers

1.What is the best browser/platform combination to use to access Private PC?
121 Financial recommends using Internet Explorer 6.0 or 7.0 with Microsoft Windows. With Macintosh OS, we recommend using the latest version of either Firefox or Safari.
2.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.

3.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

Account History

1.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.

Transactions

1.When do transactions post to my account?
Just like ATMs and Private Line, your transactions will post in a real-time mode.
2.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.
3.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.

e-Statements

1.What are e-Statements?
e-Statements are an electronic availability of your monthly or quarterly statements via Private PC, which will take the place of your mailed paper statement.
2.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 disenrolled and would like to re-enroll in e-Statements, simply click on the “Preferences” button located on the left vertical 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.
3.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.
4.How do I receive and display my e-Statements?
Simply click the “e-Documents” button located on the left vertical menu bar within Private PC. Click “View e-Statements”. Finally, choose the month and year you want to view from the drop down box and click the “View” button.
5.How do I print my e-Statements?
Display your e-Statement to your screen. Then click the “Print Statement” button above your statement. This will open a new browser window displaying your statement. Finally, click the print button at the top left of the browser window.
6.How do I save e-Statements to my PC?
Choose to view your statement as a PDF. You may then save the PDF file to your computer.
7.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.
8.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.
9.How do I cancel e-Statements?
To cancel e-Statements, click on the “Preferences” button located on the left vertical 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.

Share Draft (Check) Images

1.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.
2.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 Private PC and Check Imaging services.
3.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.
4.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.
5.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.
6.How do I print share draft images?
You can print your share draft images by selecting the Print button in your browser.
7.How do I save share draft images?
You can save share draft images to your PC's hard drive.

In Internet Explorer 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.
8.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.
9.Why can’t I view a draft that cleared today?
Cleared drafts are available by 3:00PM the next business day.

eMail Services

1.What is 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.
2.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 Preferences in the list bar.
  3. Click eMail Services (using the button above the Preferences screen title, or the on-screen link).
  4. Click My email Subscriptions.
  5. Click View Disclosure (be sure to read and understand the disclosure before proceeding).
  6. Click Back to eMail Services link at the top right to go back to the subscription page.
  7. Select the email you want to receive and click Submit.
3.Is there a fee to use eMail Services?
No, it’s free.
4.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.
5.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.
6.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.
7.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.
8.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 Preferences in the list bar
  3. Click eMail Services (using the button above the Preferences screen title, or the on-screen link)
  4. Click the eMail Services Preferences link to display the eMail Services Preferences screen
  5. 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.
  6. Click Save
9.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 Preferences in the list bar
  3. Click eMail Services (using the button above the Preferences screen title, or the on-screen link)
  4. Click the Cancel eMail Services link in the lower right corner of the screen
  5. Select the check box for “I don’t want to receive any more emails” and click Submit
  6. Click Submit again to verify cancellation
  7. Click the Return to Preferences Menu link (Note: If you decide at a later time you'd like to begin using eMail Services again, you must follow the opt in to eMail Services process again

e-Lerts

1.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.
2.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.
3.How to add an e-Lert
  1. Login and click on “Account Access” tab.
  2. Choose “e-mail notification”
  3. Select “e-lerts options” and click “continue”

  4. To be notified of large withdrawals from your checking account, choose “Share withdrawal above a value”
  5. Click “Add e-Lert”
  6. On the “Add e-Lert” screen:
    1. Enter a dollar amount
    2. Choose your checking account
    3. Click continue (at this time only email notifications are available)

  7. Click yes to verify you wish to add the e-lert.
4.How to modify an e-Lert
  1. Login and click on “Account Access” tab.
  2. Choose “e-mail notification”
  3. Select “e-lerts options” and click “continue”
  4. Below each e-Lert, you can click “modify” or “delete.”
5.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

BillPayer

1.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.
2.Do I need Private PC to use Bill Payer?
Yes, you will need to have Private PC and a checking account with 121 Financial.
3.How do I sign up for Bill Payer?
When you log in to Private PC, click on the “BillPayer” button on the left vertical menu bar.
4.Is there a monthly fee to use Bill Payer?
No, the Bill Payer service is free.

Other Services

1.Can I download my account information into a personal finance manager software (i.e., Microsoft Money or Intuit Quicken)?
Intuit Quicken is available for use with Private PC. See Quicken FAQ for more info.
2.Can I reorder share drafts on Private PC?
To reorder checks from Liberty, click on the “Account Services” button on the left vertical menu bar within Private PC and select “Reorder Checks”. This will take you to the Liberty Check Ordering website.
3.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.
4.Can I order U.S. Savings Bonds through Private PC?
To order U.S. Savings Bonds through Private PC, click on the “Account Services” button on the left vertical menu bar within Private PC and select “Purchase Bonds”.

Miscellaneous

1. 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 a 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.
2. Why can’t I view all the images in Private PC?
If you can not see all the images in Private PC, then your screen resolution in either too low or too high. The optimum screen resolution is 1024 x 768.
3. How can I link multiple accounts in Private PC?
  1. Log into Private PC Online Banking
  2. Hover over “Your Preferences” and then click “Multiple Accounts”
  3. Choose the account you want to link and click “modify”
  4. Enter the password for the account
    1. Enter the password for the account that is being setup for cross reference.
    2. This process will need to be performed on all accounts that the member wishes to be in cross reference.
      (If the member has never signed into this account they will have to sign into home banking on that account and update the MFA Q&A, then come back to this account to complete this process.)

For a step-by-step guide with images, view the PDF.