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PALCO@Home Online Banking Maintenance Scheduled - On Sunday, September 24th beginning at 7:00 p.m. EST our online banking system is scheduled for maintenance. There will be times during this maintenance that you may experience problems accessing PALCO@Home, Visa Online and our Bill Pay service. We apologize for any inconvenience this may cause. Our Sprig Mobile App will not be affected by this update, and you can still make transfers, loan payments, etc. through Sprig. If you have not downloaded our mobile app click here for more information, or download the app for free from your app store.


Using top ID protection technology, PALCO and SHERPA® Identity Protection will equip you with the tools and guidance to protect your personal information. If a breach should occur, SHERPA’s proactive monitoring identifies it quickly. Plus you have immediate access to full service Sherpa identity and credit restoration experts should you ever need it. Learn more about the idenity protection services available to you through PALCO and SHERPA today.


Introducing CardValet!
Your Card on Your Terms. Get the mobile app that puts you in control! CardValet lets you:

- Turn your debit or credit card(s) on and off
- Receive alerts when your card(s) are used, approved or exceeds the transaction controls set by you
- Stay informed of potential fraud with alerts on attempted, declined transactions
- Get real-time balances for your accounts
- Establish transaction controls for dollar amount limits, merchant categories and geographic locations

Download the app today for your Apple iOS or Google Android device!


Regulation D: Savings Account Limitations
Regulation D is a federal regulation that places certain limits on the number of transfers or withdrawals members can make from their share savings and/or money market accounts (non-transactional accounts). Please Note: Federal Reserve Regulation D (amended in 2009) is a directive of the Federal Government, not of PALCO Federal Credit Union, and applies to all financial institutions.

You may NOT make more than six (6) withdrawals or transfers per calendar month from your Savings Account. Transfers or withdrawals, for purposes of this limit, include preauthorized, automatic transfers (including but not limited to transfers from your savings for overdraft protection or for direct bill payments) and transfers and withdrawals initiated by telephone, facsimile, or computer. A pre-authorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse (ACH/EFT).

If you exceed the transfer limitations in any statement period, the transfer will not be completed. For further explanation and tips on how to avoid reaching the limitation, please see Share Savings Limitations.





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