Personal Account Link (PAL)
PAL helps you keep in touch with your money.
Natco Credit Union’s Personal Account Link (PAL) is a convenient way to make many of your financial transactions using your phone. PAL turns your phone into your personal automated teller.
Here are some of the things PAL can do for you:
• Receive up-to-date balances on savings, checking, Christmas club, vacation club, IRAs, share certificates and even loans
• Transfer between savings and checking
• Transfer loan payments from savings and checking
• Receive payoff amounts on current loans
• Request a check withdrawal from your savings or checking (a check will be mailed to the address on your account)
• Transfer money from your account to another member’s account in which you are designated as a joint owner
Using PAL
Using PAL is easy! You simply need your member account number and a personal identification number (PIN).
Let’s say you want to transfer $50 from your savings account to your checking account.
Here’s how it works.
| You Call: | (765) 962-0954 or (800) 669-5584 if you are calling long distance. |
| PAL: | Thank you for calling PAL. Please enter your credit union account number followed by the pound key (#). |
| You Enter: | Your member number and #. |
| PAL: | Please enter access code for member #(xxxx). |
| You Enter: | Your PIN. |
| PAL: | Please enter your two digit action code, 99 for help or 98 to terminate the call. |
| You Enter: | 10 (this is the code for a share to share transfer). |
| PAL: | Please enter the share account you wish to transfer from followed by the pound key.CHK [your pin] [check number] [optional type] |
| You Enter: | 01 (savings account) and #. |
| PAL: | Please enter the share account you wish to transfer to followed by the pound key. |
| You Enter: | 03 (checking account) and #. |
| PAL: | Please enter the amount you wish to transfer in dollars and cents. Follow your entry with the pound key. |
| You Enter: | 5000# (this is $50.00). |
| PAL: | To process, press 11. To cancel, press 99. |
| You Enter: | 11 and your transaction is processed immediately. |
| ACCOUNT NAME | TYPE CODES |
| Savings | 01 |
| Special Savings | 02, 05, 08 |
| Checking or Kasasa Cash | 03 |
| Vacation Club | 04 |
| Secondary Savings | 07 |
| Christmas Clug | 09 |
| IRA Savings | 10 |
| Money Market Savings | 13 |
| Morey the Moose Savings | 21 |
| 32 | Loan Balance |
| Kasasa Saver | 23 |
| Share Certificate | 30 – 74 |
| Loans | Your Loan Suffix |
| PAL REFERENCE CARD | Local – (765) 962-0954 Long Distance – (800) 669-5584 |
| 01 | Share to Share Transfer |
| 11 | Savings or Checking to Loan Transfer |
| 12 | Loan Advance Check to Share Account (Minimum $300) |
| 13 | Loan Advance Check Mailed (Minimum $300) |
| 14 | Share to Share Transfer, Other Member |
| 15 | Share to Loan Transfer, Other Member |
| 17 | Check Withdrawal |
| 30 | Checking Balance |
| 31 | Savings Balance |
| 32 | Loan Balance |
| 33 | Share Certificate Balance |
| 40 | Last 10 Checks Cleared |
| 41 | Last Checking Deposit |
| 42 | Checks Cleared by Check Number |
| 50 | Last 10 Checking Deposits |
| 51 | Last 10 Savings Deposits |
| 52 | Last 10 Savings Withdrawals |
| 53 | Last 10 ATM Transactions |
| 54 | Last ACH Deposit |
| 55 | Last ACH Withdrawal |
| 56 | Last Payroll Deposit |
| 60 | YTD Dividends |
| 61 | YTD Interest Paid |
| 64 | Last Dividend Applied |
| 70 | Lobby & Loan Hours |
| 74 | Regular Share (Savings) Rates |
| 81 | Loan Payoff Status |
| 82 | Calculate Loan Amortization – Enter 1 for payment amount of loan – Enter 2 for amount you can borrow based on payment amount |
| 96 | Change PIN |
| 97 | Inquiry of Other Account |
| 98 | Terminate Call |
| 99 | Help |
