FAQs

The routing and transit number for direct deposits and automatic transfers is 253978756. You may locate your 13 digit account number by clicking on the More Options tab within Online Banking, or by visiting a branch.

Our mailing address is: Palmetto Health Credit Union, PO Box 100167, Columbia, SC 29202

Our physical address is: Palmetto Health Credit Union, 1205 Colonial Life Blvd W, Columbia, SC 29210

Palmetto Health Credit Union will be closed on the dates below in observance of the following holidays in 2022:

• New Year's Day - January 1

• Martin Luther King, Jr.'s Birthday - January 17

• President's Day - February 21

• Memorial Day - May 30

• Juneteenth Holiday - June 20

• Independence Day- July 4

• Labor Day - September 5

• Columbus Day - October 10

• Veteran's Day - November 11

• Thanksgiving - November 24

• Christmas - December 26

You may qualify for membership if you:

• Are a Prisma Health Employee

• Are a family member of a Prisma Health Employee

• Are a family member of a Prisma Health Credit Union Member

• Are an employee at a medical facility affiliated with Prisma Health or located at one of the Prisma Health campuses

• Live, work, or attend school in Richland County

• Have a family member who lives, works, or attends school in Richland County

To open an account, please visit one of our branches. You may download our membership application and agreement ahead of time and bring the completed form and government issued picture ID to one of our branches.

We generally accept the following government issued IDs:

• Driver's License

• Passport (showing the passport number and country of origin)

• State ID

• Military ID (Showing front and back of the card) is generally accepted.

If the address on your ID card is not your current physical address, please provide documentation establishing your residency. Documents typically considered acceptable for the purposes of establishing residency are:

• Rental Agreements

• Mortgage Documentation

• Utility Bills (such as gas, electric, water)

An initial deposit of $5.00 plus a one-time new membership fee of $5.00 will be required to open an account. Please see our current Rate and Fee schedule for more information.

You can open an account for a minor by filling out a membership application and providing the necessary documentation to one of our branches. The child's birth certificate or social security card must be provided along with proof of the parent/guardian's identity and address.

A parent or guardian must be present to sign the application, take responsibility for the account, and remain as a joint account holder on the account until the child is of legal age. Once the child reaches legal age, the parent/guardian may remove themselves from the account.

There are a number of ways to change your address:

• Login to Online Banking and select "Change Address" under the More Options tab

• Complete our Address Change form. This can be mailed to PO Box 100167 Columbia, SC 29202, faxed to (803) 704-1008, or delivered to one of our branches.

• Visit a branch

You can change your name by completing our Name Change Form and providing us with a copy of your government issued picture ID card, marriage license, or divorce decree. This can be mailed to PO Box 100167 Columbia, SC 29202, faxed to (803) 704-1008, or delivered to one of our branches.

If you are a Prisma Health employee, you can log in to Workday website and sign up for Direct Deposit. You will need to have your 13 digit PHCU account number to complete the form.

If you are not employed by Prisma Health, you may obtain direct deposit information from your employer. If you need account verification from PHCU, please call (803) 978-2101 or visit a branch.

You may be able to view pending deposits thru Online Banking by clicking on the More Options Tab and selecting the option which says View Holds and Pending Deposits.

Yes, you may transfer money within Online Banking by selecting the More Options tab and choosing Send Money to Someone at PHCU. You'll need their account number, the first three digits of their last name, and the account ID (usually 1 for savings or 20 for checking)

You can request a free copy of your credit report by visiting AnnualCreditReport.com. The federal government requires that each of the three national credit-reporting agencies, Experian, Equifax, and TransUnion, provides you with a free credit report every year.

To order, visit annualcreditreport.com, call 1 (877) 322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit - reporting agencies.

Consumers should be aware that there are many sites out there that claim to offer "free" credit reports but often charge you for another product if you accept the report. According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com.

You may access your account after hours through various means:

24-hour Automated Teller - dial (800) 996-4676 or (803) 978-2101, option 3. You will need your account/member number and an access code to log in.

Online Banking - With PHCU's Free Online Banking, you can access your account 24-hours a day, 7 days a week, from home, work, or anywhere in the world using the internet on your computer or smartphone.

Mobile Banking - Access your PHCU accounts from your smartphone or wireless device. It's free, easy, convenient, and secure. And, it's available to all Online Banking users.

Our wiring instructions are as follows for wiring funds into the Credit Union:

• The funds should be sent to: Vizo Financial ABA Routing Number 231387550

• With Further Credit to: Palmetto Health Credit Union ABA Routing Number 253978756

• With Final Credit to: Beneficiary's Name and Account #

If you would like to wire funds from your PHCU account to another financial institution, please contact the receiving institution to obtain their wiring instructions. Once you receive this information, please contact PHCU at (803) 978-2101 or visit a branch to initiate the transfer.

There are fees for sending or receiving wire transfers. Please see our current Rate and Fee schedule for more information.

Yes! PHCU offers nearly 30,000 surcharge-free Co-Op ATM locations in addition to the PHCU ATMs.

Yes, activation is required. To activate your gift card and receive a PIN for point-of-sale "POS" purchases call 1 (866) 244-5360. The PIN you receive is for POS purchases only. ATM access and cash advances are not available with Gift Cards.

Yes! PHCU offers nearly 30,000 surcharge-free Co-Op ATM locations in addition to the PHCU ATM's.

(800) 992-3808

1 (833) 462-0798

Please visit a branch if you can't remember your PIN number or would like to change it; or, you can login to Online Banking and send us a secure message through the online message board, which can be found on the top right corner of the page within Online Banking. You will need to provide us with the last four digits of your card number plus the new 4 digit PIN number that you want to use. We will reply back to you through the message board once this has been completed.

Or Call 1 (800) 992-3808 for PIN requests

In an effort to protect your account, PHCU may place additional limits and/or blocks on foreign transactions and on occasion out of state transactions. Please notify us ahead of time if you plan to travel out of the country so we may ensure that you have full access to your debit card your account while you are away.

Your 'Available Balance' represents the funds that are available for withdrawal. The difference between 'Current Balance' and 'Available Balance' is your pending transactions. Some of the more common pending transactions include signature based debit card transactions, recent deposits made that are on hold, payments that are in the process of being sent or made, IRS levies, and others.

When your debit card is used as a signature based transaction (without entering a PIN), the merchant will obtain an authorization, generally for the amount of your purchase. Once an authorization is obtained, a hold is placed on the dollar amount of the authorization and the funds are no longer available until the transaction clears your account. The hold is released once the transaction clears your account or after 3 business days, whichever comes first.

Transactions using your PIN # usually clear your account immediately; therefore no hold is placed for the transaction amount.

Debit card holds can be viewed by logging into Online Banking and choosing Debit Card Holds, which can be found under the More Options tab.

You must have a checking account to be able to use a debit card. If you do not have a checking account, you may contact the credit union to open one. Once you establish a PHCU checking account, you can get your Debit Card right away. Its free and you only have to wait 24 hours for activation.

Protect your debit card from fraud, and manage your finances with Card Valet.

If you only have a savings account, you can access the funds in your account by visiting a branch or using your ATM card at an ATM machine. ATM cards can't be used to make purchases.

If you need to replace your lost or stolen card, please call (803) 978-2101 or (888) 978-2101. OR After hours please call, 1 (833) 462-0798. There may be a fee to replace missing cards. Please see our current Rate and Fee schedule for more information.

Yes, you may transfer money within Online Banking by selecting the More Options tab and choosing Send Money to Someone at PHCU. You'll need their account number, the first three digits of their last name, and the account ID (usually 1 for savings or 20 for checking).

Generally, the first $225 of your total check deposits will be available no later than the first business day after the day of deposit. However, there are exceptions and we handle these on a case by case basis.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit or as soon as reasonably practical. We will also tell you when the funds will be available.

Your deposit may be delayed due to these and other possible circumstances:

• If we believe a check you deposit will not be paid.

• If you deposit checks totaling more than $5,000 on any one day.

• If, you redeposit a check that has been returned unpaid.

• If you have overdrawn your account repeatedly in the last six months.

• If there is an emergency, such as failure of computer or communications equipment.

• If your account is a new account or was recently opened.

If this is your first time ordering checks, please visit a branch or call the credit union at (803) 978-2101 or (888) 978-2101 for assistance.

Click here to re-order checks, or simply click on the Reorder Checks tab on the sub menu of Online Banking.

You may qualify for membership if you:

• Are a Prisma Health Employee

• Are a family member of a Prisma Health Employee

• Are a family member of a Prisma Health Credit Union Member

• Are an employee at a medical facility affiliated with Prisma Health or located at one of the Prisma Health campuses

• Live, work, or attend school in Richland County

• Have a family member who lives, works, or attends school in Richland County

To open an account, please visit one of our branches. You may download our membership application and agreement ahead of time and bring the completed form and government issued picture ID to one of our branches.

We generally accept the following government issued IDs:

• Driver's License

• Passport (showing the passport number and country of origin)

• State ID

• Military ID (Showing front and back of the card) is generally accepted

If the address on your ID card is not your current physical address, please provide documentation establishing your residency. Documents typically considered acceptable for the purposes of establishing residency are:

• Rental Agreements

• Mortgage Documentation

• Utility Bills (such as gas, electric, water)

An initial deposit of $5.00 plus a one-time new membership fee of $5.00 will be required to open the account. Please see our current Rate and Fee schedule for more information.

You can open an account for a minor by filling out a membership application and providing the necessary documentation to one of our branches. The child's birth certificate or social security card must be provided along with proof of the parent/guardian's identity and address.

A parent or guardian must be present to sign the application, take responsibility for the account, and remain as a joint account holder on the account until the child is of legal age. Once the child reaches legal age, the parent/guardian may remove themselves from the account.

Yes! PHCU offers nearly 30,000 surcharge-free Co-Op ATM locations in addition to the PHCU ATMs. Find a surcharge-free ATM near you.

(800) 992-3808

Please visit any branch if you don't remember your pin number or simply want to change it. If you’d prefer, you can login to Online Banking and send us a secure message through Live Chat or the online message board, which is located on the top right corner of the page within Online Banking . You will need to provide us with the last four digits of your card number plus the new 4 digit pin number that you want to use. We will reply back to you through the message board once this has been completed.

Or Call for PIN request/selection 1-(800) 992-3808

In an effort to protect your account, PHCU may place additional limits and/or blocks on foreign transactions and on occasion out of state transactions. Please notify us ahead of time if you plan to travel out of the country so we may ensure that you have full access to your debit card your account while you are away.

You must have a checking account to have a debit card. If you do not have a checking account, you may contact the credit union to open one. If you have a savings account only, you can access the funds in your account by visiting a branch or using your ATM card at an ATM machine. ATM cards can't be used to make purchases.

If you need to replace your lost or stolen card, please call (803) 978-2101 or (888) 978-2101. There may be a fee to replace missing cards. Please see our current Rate and Fee schedule for more information

Yes, you may transfer money within Online Banking by selecting the More Options tab and choosing Send Money to Someone at PHCU. You'll need their account number, the first three digits of their last name, and the account ID (usually 1 for savings or 20 for checking).

Generally, the first $200 of your total check deposits will be available no later than the first business day after the day of deposit. However, there are exceptions and we handle these on a case by case basis.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit or as soon as reasonably practical. We will also tell you when the funds will be available.

Your deposit may be delayed due to these and other possible circumstances:

• If we believe a check you deposit will not be paid.

• If you deposit check totaling more than $5,000 on any one day

• If you redeposit a check that has been returned unpaid

• If you have overdrawn your account repeatedly in the last six months

• If there is an emergency, such as failure of computer or communications equipment

• If your account is a new account or was recently opened

No, you do not have to be a member to apply for a loan; however, you must be eligible for membership. If your loan is approved, your membership will be established when your loan is closed.

For a vehicle or personal loan, you may apply on-line, call the credit union at (803) 978-2101, visit any of our branch locations, or print and return our express loan application.

To apply for a Home Equity Line of Credit (HELOC) or first mortgage contact Melissa Plyler at (803) 978-2101 ext 1106 or mplyler@phcu.org.

If you are in the market to purchase a new or used vehicle, getting pre-approved for your loan before you walk into the dealership can save you not only money, but time and a lot of hassle.

You may apply on-line, call the credit union at (803) 978-2101, visit any of our branch locations, or print and return our express loan application.

Yes. Members can make payments using debit or credit cards by calling (803) 978-2101 option 5, and speak to one of our Call Center representatives. Payments can be made using cash, check, account transfer or automatic transfer from another financial institution.

No, there is no penalty.

You may login to Online Banking and select the Loan Payoff Quote, which is located under the More Options tab, or call PHCU at (803) 978-2101.

The title will be mailed to the address on your account usually within 3-4 weeks. If you need to obtain the title sooner, please notify the credit union when the loan is paid off so we can discuss the options with you.

Please contact the PHCU Call Center at (803) 978-2101 or (888) 978-2101 or visit any branch location to stop the automatic payment from another financial institution. Please allow 10 business days for the stop pay to be processed.

The terms of your loan agreement require you to maintain comprehensive and collision coverage with deductibles not greater than $1,000 on the vehicle(s) financed at PHCU. Additionally, we must be listed as the loss payee or lien holder.

If insurance coverage is not maintained, we may obtain Forceplaced/Collateral Protection Insurance (CPI) on your behalf and add the premium for this protection to your loan balance. Should this occur, we may increase your monthly payment to cover the cost of the insurance over a 12 month period.

This CPI insurance is not liability insurance and will not satisfy any state financial responsibility or no-fault laws. This coverage will only protect our interest, and provides no protection for you.

Please make sure you maintain the required insurance on your vehicle at all times and review your insurance policy to ensure that you have the appropriate coverage and loss payee endorsement.

Upon receipt of your policy as written above your loan will be refunded for the premium added covering those dates in which you had coverage. Your insurance company can fax proof of insurance to (803) 978-0074 or (866) 266-7898.

You may access your account 24/7 through:

• 24 hour Automated Teller - dial (800) 996-4676. You will need your account/member number and an access code to login.

• Online Banking - With PHCU's Free Online Banking, you can access your account 24-hours a day, 7 days a week, from home, work, or anywhere in the world using the internet on your computer or smartphone.

• Mobile Banking - Access your PHCU accounts from your smartphone or wireless device. It's free, easy, convenient, and secure. And, it's available to all Online Banking users

Please visit a branch to have your username or password reset. For additional questions or assistance call (888) 978-2101 or (803) 978-2101.

Yes, you must be enrolled in PHCU's Online Banking before you can sign up for Mobile Banking.

No, PHCU offers Mobile Banking as a free service. However, you may be charged by your wireless service plan provider. Please check with your wireless provider to see if additional fees will apply.

To access Mobile Banking, you must be enrolled in PHCU's Online Banking. You will use the same username and password for Mobile Banking that you do for Online Banking. Simply locate and download our free PHCU app.

The first time you login from your phone, you will receive an alert advising you that an additional security step is required, and to check your email for instructions. This email will include a one-time four digit PIN number that must be entered in the PIN field on your device before you can access Mobile Banking. If you do not see a PIN field on your phone, simply add the four digit one-time PIN to the end of your current Online Banking password to login.

For Example: If your Online Banking password is John123 and the emailed one-time PIN is 9999, you should enter the password John1239999. Once you have successfully logged in, you can log back in using your regular password without adding the one-time PIN. If your one-time PIN expires, or you need additional assistance, please contact us at (888) 978-2101 or (803) 978-2101.

Instructions for all other Devices

To access Mobile Banking on devices other than Apple or Android, you must have internet access on your mobile device and be enrolled in Palmetto Health Credit Union's Online Banking.

Simply enter phcu.mobi into your internet browser to access mobile banking. You will use the same username and password for Mobile Banking that you do for Online Banking. If you need additional assistance, please contact us at (888) 978-2101 or (803) 978-2101.

No, Text banking allows you to access account balances and transaction history through the simplicity of sending a text message. Simply text the following letter or word to 86020:

• "B" - All account balances attached to your member number

• "H" - Transaction history for all accounts attached to your member number

• "H(share/loan ID)" - Provides account transaction history for the specific account ID entered behind the “H” code. For example, H S001 provides history for your savings account. H L001 will provide history information for loan 001.

• "MENU" - Provides you a list of all transaction codes accessible through Text Banking

• "STOP" - Allows you to disable Text Banking from the particular mobile device

You cannot sign for text banking thru mobile banking. To sign up for Text Banking, you MUST visit http://phcu.mobi from an Internet browser from a computer or mobile device.

Internet access on your mobile device is NOT required for text banking. You can register up to three (3) devices per member number for access to Text Banking.

You must be enrolled in eStatements to view them online. You can begin viewing them online the month after you enroll in eStatements. You will receive an email notifying you that your statement is ready to be viewed online. There is no charge for using eStatements.

When you have online Bill Pay from PHCU, you'll be able to:

• View and pay your bills electronically, all in one place

• Make secure payments to any person or company anywhere, anytime

• Verify your account balance as you pay your bills

• Set up recurring payments to save time each month

• Receive email or text reminders when bills are due

• No stamps to purchase, checks to write, or envelopes to address

There is no charge for using Bill Pay, and you may sign up by logging into Online Banking and clicking on the Bill Pay link, which is located under the services tab. For assistance with Bill Pay, contact the Bill Pay helpline at (866) 799-8381.

Yes! PHCU offers nearly 30,000 surcharge-free Co-Op ATM locations in addition to the PHCU ATMs.

No. This is a free service to members of Palmetto Health Credit Union.

A Notary Public is available in all our branches to notarize many of your important documents presented with proper identification. The notary must witness the signer signing the document.

Yes, you can buy a book of 20 Forever stamps from one of our branches at the same price as the post office.

Yes. There are no restrictions on our Regal movie tickets.

Your Biltmore ticket includes:

• A self-guided visit of Biltmore House

• Access to the Gardens and Conservatory

• Access to Antler Hill Village

• Free wine tasting and guided Winery tour

Visa gift cards are the perfect gift for any occasion and can be used to make purchases nearly anywhere Visa cards are accepted. They can be purchased in amounts of $25.00 to $1,000.00 at a cost of only $3.

Yes, activation is Required. To activate your gift card and receive a PIN for point-of-sale "POS" purchases call 1 (866) 244-5360. The PIN you receive is for POS purchases only. ATM access and cash advances are not available with Gift Cards.

If this is your first time ordering checks, please visit a branch or call the credit union at (803) 978-2101 or (888) 978-2101 for assistance.

You may click here to reorder checks online. You may also order them thru Online Banking under the Services tab or by calling the credit union at (803) 978-2101 or (888) 978-2101.

PHCU offers free credit counseling and advice through through a team of expert financial counselors through GreenPath Financial Wellness.

You will receive free, impartial advice from experienced, professional counselors with the aim of helping you reach your financial goals. Some of the benefits include assistance with:

• Personal and family budgeting

• Understanding your personal credit report and how to improve your score

• Personal money management

• Debt repayment

• Avoiding bankruptcy, foreclosure, and repossession

To use this service simply call (877) 332-2235 or visit them on the web at https://www.accelservices.org.

Our wiring instructions are as follows for wiring funds into the Credit Union:

• The funds should be sent to: Vizo Financial ABA Routing Number 231387550

• With Further Credit to: Palmetto Health Credit Union ABA Routing Number 253978756

• With Final Credit to: Beneficiary's Name and Account #

If you would like to wire funds from your PHCU account to another financial institution, please contact the receiving institution to obtain their wiring instructions. Once you receive this information, please contact PHCU at (803) 978-2101 or visit a branch to initiate the transfer.

There are fees for sending or receiving wire transfers. Please see our current Rate and Fee schedule for more information.

Bill Pay is an online bill payment system that allows members to send an electronic or check payment from their checking account to any business or person through online banking. Members with multiple checking accounts can even register and choose from available accounts when making a payment. It's safe, secure and easy to use.

Members with active checking accounts cans use Bill Pay. You can even register more than one checking account.

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter, or relative.

You can enroll for online bill pay in three easy steps:

• Login to your Online Banking account.

• Select the "Bill Pay" tab, located in the main menu bar.

• Complete the enrollment form and click submit.

First, you need to enroll to activate your online Bill Pay account. If you haven't enrolled, please follow the three steps shown above. If you have enrolled, you can make a payment in four easy steps.

• Grab a bill and login to your Online Banking account.

• Click on the "Bill Pay" tab.

• Click the "Add a Payee" button on your dashboard.

• Enter the amount you want paid and make your payment.

Payments are sent from checking accounts in one of two ways-electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

Most scheduled payments are sent electronically and funds are withdrawn from your checking account on the payment date.

Here's a quick list of the many ways you can benefit from using online Bill Pay.

• Save time. It takes only minutes to pay your bills each month. You save time on trips to the post office and filing away paper receipts. In addition, smart features such as recurring payments allow you to set up a schedule to pay your bills automatically.

• Save money. Online Bill Pay saves on postage, envelopes, late fees, and checks. If you pay just 10 bills per month, you can easily save over $75.00* per year.

• Stay organized. Your payment history is stored online so you won't have to file and sort through paper receipts.

• Gain peace of mind. You can schedule payments in advance so you won't have to worry about paying bills when you travel. Bill Pay reminders are also available to notify you it's time to pay your bill.

• Help the environment by saving paper. With online Bill Pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.

* Savings are approximate and based upon the average annual cost of stamps, envelopes, and checks required for paying ten bills per month.