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!

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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 the Forgot Password or to Register link.
  2. Enter your Account number which is also the Member ID. Then click continue.
  3. On the next screen select the primary radio button, which is attached to the email on file with us. Click continue. This will initiate email with a random security code. Keep this session open. 
  4. Open a your email. The email will have a subject line of Railroad and Industrial Federal Credit Union Secret Code. The sender will be no.reply@rifcu.org.  
  5. Copy or jot down your secret code. Click continue
  6. Switch to the PC Connect screen type in or paste the secret code. Click continue.
  7. A Success screen will appear, with a message that a temporary password has been sent to your email. You 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, in another window go to your email, open the email that says Railroad and Industrial Federal Credit Union Temporary Password in the subject line.
  10. Copy or jot down your temporary password. 
  11. On the Account Access screen, enter your User ID (account number) and in password enter the temporary password and select login.
  12. The first screen will require you set a permanent password, one that you will remember.
  13. Enter the temporary password in the current password field. Then enter your New Password (minimum 8, maximum 16 characters and it must include 1 Capital letter, 2 digits and 1 special character.) Click continue.
  14. Next you will see an enrollment message. Click "yes, sign me up now."
  15. When you click "yes, sign me up now", you will be directed to a screen where you will select your security image and choose and answer three challenge questions. Remember these selections, you will need them to login.
  16. After you select your image and choose your challenge questions, click confirm
  17. On your first login after setting up your account and password, you will need to select your security image and answer one challenge question to access your account. On this screen, you can click the box next to register device and you can change the device name. This is recommended only for computers, tablets and other smart devices that are not shared. 
  18. 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 too!

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: