Frequently Asked Questions

You can apply for membership over the phone 858-495-3400, in a branch, or online.
As long as you live, work, or worship in San Diego or Riverside County you are eligible to apply for membership or a loan.
A Social Security Number or Individual Tax Identification Number and documentation verifying your home address, such as a utility bill or lease agreement. Additionally, you will need two identifications such as a driver license or CA State ID and a secondary ID which can be a passport, debit or credit card from another institution.
2019 Closures
Holiday Date
New Year's Day January 1
Martin Luther King, Jr. Day January 21
Presidents Day February 18
Memorial Day May 27
Independence Day July 4
Labor Day September 2
Columbus Day October 14
Veterans Day November 11
Thanksgiving Day November 28
Christmas Day December 25
Monday through Friday 7am to 6pm and Saturday 9am to 4pm.

When you are signing up with a third party to deduct payments automatically from your checking account, you will need your Routing Number AND your PLCU Checking Account number. Both of these numbers are on the bottom of your checks.

PLCU's routing number is 322281484
You can locate your account number in the bottom right of your check or you can call us at 858-495-3400 so we can provide you with your 13 digit account number.
You can give us a call at 858-495-3400, message us via your online banking with the new address, or visit one of our local branches.
Please call us during business hours at 858-495-3400 so we can set up an account for you, or stop by one of our branches.
If you are enrolled in e-statements, you can access your statements in online banking! Otherwise, please contact our Call Center at 858-495-3400.
Due to Regulation D, a federal law implemented through all financial institutions, a maximum of six (6) transfers monthly are allowed between shares.
The limit of transactions is 6 transfers a month, due to our Regulation D.
Yes, if you transfer between your shares to a loan it does count as a payment.
Please mail payments to Point Loma Credit Union, 9420 Farnham Street, San Diego CA 92123.
In order to process a wire you can go into one of our current locations or process a wire transfer via our call center.
You can utilize our Bill Pay through online banking or request Fi-Fi transfers, as well as doing a Wire Transfer.
You can call our automated system at 888-891-2435 where you are able to change your PIN. It will ask your date of birth, which will need to be entered as: MM/YY. For example, November 12, 1995 will be entered as: 11/95.
The first $200 of the check deposit will be made available immediately. The rest is placed on a two business day hold.

PLCU is a member of the CO-OP ATM network. This surcharge free network allows you to access your money at more than 30,000 ATMs nationwide. Click here to find a local ATM or text* your zip code to 91989 to find your nearest shared ATM.

*text messaging fees may apply

Contact our call center at 888-495-3400 or visit one of our branches.
If you suspect you've received a fraudulent e-mail, supposedly representing Point Loma Credit Union, forward it to us immediately at security@plcu.com.
Bill Pay allows PLCU members to pay most bills online, either on a recurring basis or when requested by the member.
You must have a checking account to be eligible for Bill Pay. Bills cannot be paid from a savings account or line of credit.

If you get this message when you click the Bill Pay link:

SSO ERROR
WHISPER ERROR-ERROR ENCOUNTERED WITH BILL PAYMENT
ISYM/NS-HOME/HTTP-WWWS/LOYS/ERRORS FILE.

Contact the Call Center during business hours at 858-495-3400 for resolution.

The system offers online help on each screen. Just click on the Chat Now button in the upper right-hand corner and the system will respond with screen-specific help.
The first time a bill is loaded, it may take five to ten business days, depending on the payee. Thereafter, the bill will be debited either two days (if payee is certified as electronic settlement) or five days (if payee is certified as paper settlement) prior to the due date. Each payee will be identified as two or five days on the payee information screen. We suggest members verify payment of all first-time Bill Pay payments.
All federal holidays and weekends must be considered when loading due dates for bill payments. If a five-day merchant bill was loaded for payment on the Thursday before President's Day, it will be debited on Friday and may not reach the merchant until Thursday of the following week.
Yes, you can stop a payment up until the funds have left your account. After the funds have been removed, the bill is paid.
If there are non-sufficient funds for the payment, the system will reject the payment. There will not be an NSF fee; however, the system will not attempt to pay that bill until the next due date.
Yes. It works as it would for a paper draft debiting your account.
No. There are no overdraft fees with Bill Pay, regardless of whether it overdrafts from your overdraft protection or from your savings account. Remember, however, that if your checking account is set up to overdraft from your savings account, you will be limited to six automatic transfers in any month, according to Federal Regulation D.
The Department of Motor Vehicles requires that you send proof of insurance with your remittance and suggests you make your payment via paper only.