Account Questions

Routing numbers identify the financial institution to and from which funds are transferred. Financial institutions use routing numbers in order to process payments electronically. 

You can start your application for a new account here. When you open your account, you will need to fund your savings account with $35. Then, you will be able to open any additional accounts you may need. 

Current members can apply for loans in Online and Mobile Banking by selecting Apply for a Loan in the menu. 

You can view your account information 24/7 with Anytime Account Access.

You can check your account balance in the following ways:

• Log in to Online Banking to see your account balances listed on the homepage
• Log in to the Mobile App to see your account balances listed on the home screen
• Call us at (208) 746-8900 and ask Scout what your account balance is. If you haven't set up your voice banking profile with her yet, you'll need to verify your identity and create a PIN. 

We have no minimum balance requirement for our checking accounts. However, if you still have a Power Plus account, which has been discontinued, you must maintain a minimum balance of $1,000 to qualify for the monthly fee waiver. Our Money Market Account requires a $500 minimum deposit.

Your account balance shows the total amount of funds in your account. However, transactions like debit card purchases don't always clear your account immediately, so your actual account balance may be lower than what is shown.

Your available balance shows the account balance minus any pending transactions or holds. This balance shows how much you have available to withdraw or spend. While this balance generally reflects all pending transactions or holds, there may still be items that are not reflected so it's important to monitor all of your account transactions to avoid overdrafts or service charges.

The negative balance should be paid within 35 days. If you need assistance, please contact us over the phone at 208-746-8900 and ask for the Asset Recovery Department.

There could be several reasons why your check bounced when there are funds in the account.

Since each situation is unique, contact us or stop by a branch for assistance with your check. 

There are several reasons a check can clear for the wrong amount. The most common reason is due to the written amount not matching the numerical amount on the check. Since each situation is unique, contact us or stop by a branch for assistance with check errors.

Member savings accounts at all Federal Credit Unions (and some state-chartered Credit Unions) are federally insured for up to $250,000 by the National Credit Union Share Insurance Funds (NCUSIF), which is administered by the National Credit Union Administration (NCUA). The fund is backed by the full faith and credit of the U.S. government. No taxpayer funds are used to support the NCUA or the NCUSIF.

You can use the NCUA Share Insurance Calculator to estimate your coverage level based on the open accounts that you have.

Please contact the person or company that wrote the check to alert them of the issue. This issue typically occurs when the checking account from which the funds were being withdrawn does not contain sufficient funds to cover the check. There may also be a return check fee applied to your account.

You can add a new joint owner by visiting your closest branch or contacting us to speaking with a representative. Your new joint owner will need the following information: 

• Their government issued ID
• Their Social Security Number
• Their address and other contact information

Once we have all the required information, all the account owners will need to sign a new Member Account Agreement. 

If you received an activation email with no activation link or an activation SMS (text message) with no code, contact us for assistance. Never share your activation codes with anyone, not even P1FCU. We will not ask for them.

Direct Deposit funds are typically available by the start of business on your payday. 

P1FCU does not offer a Health Savings Account at this time.

We offer an Idaho Medical Savings Account (MSA) for Idaho Residents, but it is not the same as a Health Savings Account. For more information from the State of Idaho, visit What is an Idaho Medical Savings Account?

There is no limit to the number of accounts you can have within your membership. As long as you continue to meet the requirements to open an account, you can open as many accounts as you see necessary to meet your financial goals. 

It’s easy — Zelle® is already available within the P1FCU mobile app under the left hand menu! Open our app, select Send Money with Zelle®, and follow a few simple steps to enroll with Zelle® today. 

Don't see the option? Contact us for more information.

You and your financial institution are the only ones who can view your account balances.

If you suspect your accounts have been compromised, contact us immediately so we can assist you.