Core Services | PSCU Financial Services

Looking for a Complete Selection of Core Credit Card Services?

Our member-owner credit unions appreciate the full array of core credit card services offered by PSCU Financial Services. These fundamental offerings provide a wide range of products and services that all credit unions should include in their card solutions mix.

Business Credit Cards

The statistics are impressive: Fanned Credit Cards

Adds convenience by separating business and personal expenses
Allows better tracking of small business expenses
Saves time at point of purchase; offers more locations than business checks
Additional cards can be requested for authorized employees

To strengthen your relationship with business depositors, we can facilitate turnkey merchant servicing for member business owners to accept credit and debit cards. Our package includes check verification and guarantee, 24 x 7 member support, terminal rentals, leases and sales, chargeback and retrieval processing. All supported by extensive training and online reporting for management information.

Purchasing Cards

The Purchase One Visa card is a credit card for credit unions to authorize certain employees to make business purchases from any merchant or vendor that accepts Visa. Using leading-edge technology, the Purchase One brings multiple levels of purchasing management together into a streamlined process and provides easy access to a variety of reporting tools.

This innovative new program for credit unions provides a web-based platform to support convenient, 24 x 7 access to the following functions:

Setting controls and limits
Establishing a list of authorized employees and vendors
Enhanced reporting using an online record of every cleared transaction
Electronic billing and settlement
General ledger compatibility with many software applications
Enhanced protection against unauthorized or beyond-limits use

As an added bonus, using the Purchase One card allows your credit union to earn rebates based on the quarterly amount transacted on the card.

Flexible Processing Options

In addition, we offer the most flexible processing options in the industry with everything from in-house to full-service options. Your credit union can outsource cardholder contact services to gain expertise and reduce internal operating expenses. With a full-service solution, we handle all cardholder contacts, resolve all inquiries, and track and manage Visa and MasterCard regulations. We also offer an in-house option in which our cardholder contact services are available after hours or during a local emergency, as part of a business continuity plan.

Card Carriers

The first impression is important…

All plastics are mailed affixed to a card carrier for delivery to the cardholder. In addition to basic card information, card carriers can be utilized as a tool to provide information and/or marketing to the cardholder. For a new account the card carrier is one of the first communications the credit union has with the new cardholder. We offer generic and customizable carriers.

Cardholder-Selected PINs

What was my PIN???

Cardholders having trouble remembering their Personal Identification Number (PIN)? Not anymore. Allow your members the opportunity to select a PIN they can remember. A mailer can be sent that provides all the necessary information and steps to change their PIN to one they will remember.

Card Activation

Mail Cards with Peace of Mind

Card Activation helps reduce NRI (Never Received Issue) fraud by sending out inactive plastics. Cardholders receive new and/or reissued cards with a sticker prompting them to call the Card Activation line for verification of receipt and approval to use the new cards. Cards are activated when cardholder information is verified.

Contact Center Support

When your members have a question about their statement, credit limit or balance, they want an immediate answer. Courteous, well-trained representatives at our Contact Center address cardholder concerns quickly and efficiently in English or Spanish at any time of the day or night. We resolve more than 10 million telephone inquiries and 400,000 letter inquires each year.

Certified as a Center of Excellence, PSCU Financial Services' Contact Centers have twice as many satisfied contact center users than the industry average and a smaller number of abandoned calls. Calls are also answered more quickly and issues are resolved more efficiently than other industry contact centers. And because our employee turnover rate is significantly lower than the industry average, your members’ questions are answered by some of the most experienced representatives in the industry.

Our state-of-the-art facilities in St. Petersburg, Florida, and Phoenix, Arizona, also offer the most advanced, efficient service technology available. These redundant Contact Centers provide dynamic call load balancing, full coverage for all U.S. time zones, and fast responses at all times of day. We offer continuous support for your members, even during a service disruption at either facility.

Consumer Credit Cards

Managed and promoted credit cards can be the highest returning asset a credit union has. Maybe your strategy is to increase activation levels, grow balances or strengthen member relationships. Whatever your portfolio need, PSCU Financial Services is here to support you. Recognized as the leading credit union industry partner, we provide a full array of credit card services, tools and strategic guidance for credit unions.

Our CreditAbility™ system is powered by our partnership with First Data, which serves more than 4.1 million merchant locations, and over 1,400 card issuers and millions of consumers. CreditAbility offers a totally integrated approach to core, management, growth, targeted growth and risk management credit card services across all the ways you want to do business. With CreditAbility you can tailor Platinum, Gold and Classic/Standard card programs to fit the needs of your members. So join hundreds of our member credit unions that use these solutions to achieve higher levels of portfolio performance and member satisfaction.

Web Based Member Self Services

Satisfy members who want to self-service by viewing credit card statements online and you can simultaneously encourage use of your credit union’s online banking services with our InfoLinkPlus^SM service. This service delivers summary credit card information to a secure Web site that incorporates the logo and look of your web site. Single Sign On is available with several home banking providers, eliminating the need for your members to log onto two sites to view their accounts.

Standard Services

Register any credit card from your financial institution
View payments or transactions that have posted to the account since the last statement
View summary data for any registered account
View transactions from the last three statements
Download transactions in Microsoft Money or spreadsheet format
View CURewards^® points balance (if offered by the credit union)
Remove accounts, change InfoLinkPlus password, reset forgotten password

Enhanced Services

Pay credit card bills
This option equips users to make ACH-based payments on any registered credit card account.
Receive Credit Line Increase offers
Cardholders can be pre-qualified for credit line increases and given the opportunity to accept the increase while online. Your credit union determines acceptable parameters for the increase. Accounts are reviewed without member participation; so ineligible users will not even realize that their account has been evaluated. For more information about Credit Line Increase, click here.
Activate credit cards
Cardholders can activate their credit card online if the plastic status code on their account indicates that the card has not been activated.
Request PIN mailer
Cardholders can request an existing PIN for any registered credit card account, which will be mailed to the cardholder address. Each credit union determines a secondary authentication method for use with this feature.
Order a replacement credit card
Cardholders can request a replacement for a damaged credit card, after verifying that the card has not been lost or stolen. A required method of secondary authentication is determined by the credit union.
Maintain cardholder account information
Cardholders can update addresses, phone numbers, and email addresses online after secondary authentication, which is set by the credit union.
Order statements for last 12 months
Cardholders can request a copy of any available statement for any registered credit card account for the past 12 months.
Initiate general inquiries about payments or transactions
Cardholders can click any transaction on the history page to initiate an email inquiry into that transaction. Members can also submit general questions about their account and choose the method in which they wish to be contacted — phone or e-mail.

Plastics

A Variety of Popular Options Are Now Available…

Benefit from Cooperative Volume Discount Pricing When Ordering Traditional Plastics

Reduce your costs and personnel time by ordering plastics for your credit, debit, gift, and ATM cards from PSCU Financial Services. Our dedicated staff will quickly and efficiently process your orders and answer any questions. You can create your own customized designs or choose from over 100 stock designs. Full-faced foil and translucent cards are now available. Best of all, your credit union will benefit from volume discount pricing based on our cooperative scale.

Enhanced Security and Top-of-Wallet Positioning Can Be Gained By Offering PhotoCards

1x1 PhotoCards allow your members to include their personal photo on the card front. This feature provides Merchants with another ID verification at the point of sale. 2x2 PhotoCards also permit your members to include their favorite photo on the front of the card. This unique feature is sure to put your card in the “Top-of-Wallet” position.

No Minimum Order Required on Digital Plastics

A minimum card order is a thing of the past with Digital Plastics. Digital Plastics make it possible for your credit union to offer multiple designs that appeal to all or specific segments of your membership. Your cards are printed edge-to-edge on white plastics as needed for easy card personalization.

It’s What’s Inside That Makes Contactless Plastics So Popular

Contactless plastics include a radio-frequency chip embedded in the cards that allow them to “speak” to enabled POS terminals. Contactless targets Merchant locations where speed and convenience are vital. This technology also provides added security since the cardholder maintains possession of their card. Transactions under $25 don’t require a signature or receipt so your cardholder enjoys fast “in and out” convenience.

Web Based Statements

Build member loyalty and promote online bill payment services with electronic statements that carry your credit union’s brand.

Many members want to view their credit statements, bills and other financial obligations online. Enhance your online banking portfolio and increase member loyalty by equipping members to receive credit card statements via the Web in addition to traditional mail delivery. PayLynx StatementSource™ from PSCU Financial Services delivers electronic statements through a bill payment site branded by your credit union but hosted by us, or a CheckFree-hosted site. Our service is powered by CheckFree's popular and proven online statement delivery platform. With our solutions, your members can elect to pay their credit card bill via phone or at your online bill payment Web site. We also continue to process statements that are mailed in to three regional centers across the United States.

StatementSource™ Cardholder Benefits

Enrollment is easy and statement delivery is fast and secure
Users can elect to turn off paper delivery
Historical statement data is available for convenient record keeping
Statements are available in print-friendly, PDF format

Email notification of statement availability includes summary information and a link to the credit union’s bill payment site.

Payment Processing

With PSCU Financial Services' payment processing, cardholders have the option to mail payments to strategically located lockbox locations around the country, or take advantage of online or pay-by-phone methods.

Pay My Credit Card Bill

Our Pay My Credit Card Bill Solution allows cardholders to pay their credit card bill and perform a host of other credit-card-related tasks anytime, and at no charge, using your credit union’s InfoLink^SM site. Users of the Pay My Credit Card Bill service can make "on-demand" payments at their convenience and can make an ACH deduction from a cardholder deposit account.

Pay by Phone

Cardholders also appreciate the convenience of making a credit card payment from their checking account with a single call at anytime of the day or night to our Contact Center. With Pay By Phone, our representatives take the required account information from the cardholder and activate the payment. This service reduces the number of late payments by offering "payment on demand" for a nominal charge.

Annual Activity Summary Solution

The Annual Activity Summary provides your cardholders with an itemized year-end list of all the transactions on their account in functional categories, such as merchandise/retail purchases, travel/lodging expenses, groceries, ticket/events, gas/automotive and restaurants. This money management tool aids your members in budgeting household expenses, identifying business expenditures and preparing for taxes.

Our Annual Activity Summary Solution offers these key features and benefits:

Provides cardholders with a helpful, easy-to-use money management tool.
Eliminates the need for cardholders to keep individual receipts.
Provides answers to cardholders’ year-end questions, which may reduce the number of calls your service representatives receive.
Itemizes all transactions for the previous year within each category allowing for quick, easy member reference.

Credit unions will receive all members’ account summaries via Rownet. Summaries can be generic or can carry your credit union’s logo. Enhance loyalty and satisfaction by giving your members a convenient, comprehensive summary of card usage for the previous year.

Travel Accident and Baggage Delay Insurance

Address travelers’ increasing demands for security with Travel Accident and Baggage Delay Insurance for MasterCard and Visa programs. This insurance covers accidental death and dismemberment; trip delay; trip cancelation; emergency evacuation; and a baggage delay benefit that reimburses cardholders for the emergency purchase of essential items. This coverage applies to domestic and worldwide travel and includes acts of terrorism. All family members are insured if the covered credit or debit card account was used for all ticket purchases.

This program is administered by DFS&A Insurance Agency and therefore requires minimal involvement by the credit union. A variety of coverage levels are available.

To learn more about these Core Services, please contact us.

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