PC Connect Online Banking

PC Connect is your 24/7 online branch. With PC Connect, you can check balances, manage transfers, pay bills, set up text alerts, access mobile banking, make deposits, change your address and more!

View the following video for a short tutorial on the functions offered within PC Connect. 

How to Enroll in PC Connect

No paperwork is needed to enroll in PC Connect. Simply contact Member Services during regular business hours and request to enroll.  For security reasons, when you choose to enroll online the enrollment process is a multi-step process and will take several minutes. You can follow these instructions:

  1. On our home page in the Account Access box, select Forgot Password.
  2. Enter your Account number which is also your Username. Then click continue.
  3. Select the email you wish to use (there is a drop-down arrow). An email will be sent immediately to the selected address. Click submit.
  4. Open your email. The email will have a subject line of Railroad and Industrial Federal Credit Union Security Code. The sender will be no.reply@rifcu.org. 
  5. Copy your secret code.
  6. On the PC Connect screen and paste the secret code. Click submit.
  7. You will get a Success screen, with a message that a temporary password has been sent to your email. You will have 20-minutes to retrieve and use the temporary password.
  8. Click complete, this will take you back to the Account Access screen.
  9. Keep Account Access screen open. Open another window and open your Railroad and Industrial Federal Credit Union Temporary Password email.
  10. Copy your temporary password.
  11. On the Account Access screen, enter your User ID (account number) and enter the temporary password and select sign in.
  12. You will be asked to select your security image; and you will need to select three challenge questions. Remember your answers. Click submit.
  13. You will be asked to set a permanent password. Password requirements 8-16 characters, must include 1 Capital letter, 2 digits and 1 special character. Click submit.
  14. The first login after setting up your account and password, will require you to select your security image and answer one challenge question. On this screen, you can check the box next to register device. This is recommended only for devices that are not shared.
  15. If you access our website from your tablet, phone or other smart device, you can enable that device and have access to our Mobile Banking platform.


Risk Account Authentication and Online Banking

PC Connect Online Security

Through the use of Smart Authentication, Railroad & Industrial protects you and your account information when you log on to PC Connect. Smart Authentication protects the privacy and security of your personal information.  Smart Authentication uses multi-factor choices and layered security checkpoints which you, the user, confirms. When used properly, Smart Authentication assures safe Internet and mobile transactions.

Railroad & Industrial’s secure Online Banking System, PC Connect, gives you immediate online, mobile and text access to all of your credit union accounts, from the comfort of your home or office. Banking online is easy, convenient and secure. PC Connect is the online system that houses many ancillary mobile, remote, text and electronic services. Using Smart Authentication, you have access to all of these services.

One part of the multi-factor process involves the credit union. In some cases as they present themselves through our various access levels, we may require you to verify or answer additional security questions. Whenever an increased risk to a transaction warrants it, we will be able to conduct additional verification procedures, or layers of control such as: voice verification by calling you, verifying your membership through various questions and requests, verifying and identifying suspicious patterns, and establishing dollar limits that require credit union intervention.

With Smart Authentication, you will have peace of mind when you access your account information online. You can be sure that:

Your accounts are secure.

  • Your personal information is carefully protected.
  • You are protected from unauthorized activity on your account.
  • The most important piece of protection on your online accounts and requests involves, you the member. The first defense is your responsibility of protecting your personal and online account access information.

For additional information on protecting yourself online visit these websites: