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Pacific Federal Credit Union Members

Hello Welcome
Pacific FCU
Things You'll Love
About Us


Welcome to Arrowhead. Meeting our members' financial needs not only means warm, neighborly service but also the reward of expanded products, services, technology, and state-of-the-art security.

Set Up Online Banking

Things You'll Love

 Branch Icon
New Expanded Hours
Branch hours are now Monday-Friday 9am to 5pm.
Cash Icon
Access to all Arrowhead Branches
You now have access to all Arrowhead branches.
 Cash Icon
No In-Branch Cash Limits
Withdraw the cash you need at any of our branch locations.
 Cash Icon
Instant Issue Cards
Need a replacement card? Just visit a branch, and we can issue it on-the-spot.
Money  in envelope
Free Bill Pay
Pay your bills in online banking, with no fees.
Mobile Wallet
Pay online and in stores, with Apple Pay®, Google PayTM, or Samsung Pay®.
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Mobile App with Mobile Deposit
Bank and make deposits from your Apple or Android device.
Website Icon
Updated Online Banking
New features that will give you more control of your money.


General Questions

Will the Diamond Bar branch remain open?
Yes, the branch will remain open.

Is my member number the same?
You should have received your new Arrowhead account number in your Member Guide in May. If you have not received it, please call us at (800) 743-7228.

Do I need to change my direct deposit?
No. We set it up on the backend so any direct deposits that went to your Pacific account were automatically rerouted to your new Arrowhead account.

Will I receive new checks?
If you had a checking account at Pacific, you should have received 8 Arrowhead starter checks in your Member Guide. If you have not received them, please call us at (800) 743-7228.

If you would like to order a box of checks, let us know and the first box is on us.

Why did Pacific merge with Arrowhead Credit Union?
The CEO and Board of Pacific FCU met with Arrowhead and thought we were a great fit. Arrowhead has been in Southern California for nearly 75 years, has an extensive branch network, up-to-date technology, and a passion for service.

About My Membership

Do I need to pay a membership fee?
No, you are automatically an Arrowhead member and will not need to pay a membership fee.

When will I receive my Arrowhead account information?
You should have received a mailing with your account numbers, starter checks (if applicable), and helpful tips on setting up your mobile app and online banking in your Member Guide in May. Please call us at (800) 743-7228 if you have not received your Member Guide.

Did the merger affect membership eligibility?
No. Eligibility for both credit unions is now combined. Anyone who was eligible for Pacific membership is now eligible for Arrowhead membership, and vice-versa

Branches & ATMS

Which ATMs can I use?
With Arrowhead, you have fee-free access to all ATMs that are a part of the CO-OP Network.

When will the ATM be available at the branch?
The new ATM is here!

Will the branch stay open?
Yes, the branch will remain open.

When can I use Arrowhead branches?
Great News! You now have access to all of the branches and benefits we offer. Find a branch

Online & Mobile Banking

Do I need a new username and password?
Yes, you can setup Online Banking, using the Register button on our homepage, or in the Arrowhead Mobile App, available in the App StoreSM or Google PlayTM.

Where do I login to Online Banking?
You can login on our homepage.

How do I get the Mobile Banking app?
The Mobile Banking app is available for Apple devices in the App StoreSM and for Android devices in Google Play™.

How do I enroll in eStatements?
You will be able to sign up for eStatements in Online Banking at the time that you set up your username and password.

Where can I see my transaction history?
Your last 18 months of statements will be available in Online Banking, but your transaction history before June 1 will not appear.

Did my alerts convert?
No, we have many alerts you can choose from, you can set them up in Online Banking.

Debit Cards

When will I receive my new Arrowhead card(s)?
You should have received your new debit card(s) mid-May. If you did not, please call us at (800) 743-7228.

When can I activate my card?
You can activate your card as soon as you receive it, it is active as of June 1 at 7am.

When did my Pacific FCU cards deactivate?
Your Pacific FCU debit card(s) deactivated on May 31 at 4pm. Credit cards will deactivate on June 26 at 4pm.

Do I need to update automatic payments?
If your automatic payment was made using your checking or savings account number, it automatically transferred over.

If it was made using your debit card, you will need to update that vendor with your new Arrowhead debit card.

If your payment is due the first few days in June, we recommend you pay in advance for this month.

How do I setup a PIN?
Call (866) 212-4333 to activate it and select your PIN.

What ATMs can I use?     
You can use all the same surcharge-free CO-OP ATMs you've always used, and any Arrowhead ATM.

Other ATMs outside of the CO-OP network, you can use, but may incur a fee.

When can I enroll my in Apple Pay®, Google PayTM, or Samsung Pay®
Great news! You can start using the mobile wallet feature for your Arrowhead debit card on your Apple or Android device as of June 1 for your debit card, and June 27 for your credit card.


Did my direct deposit automatically transfer over?
Yes, your direct deposit transferred over to your Arrowhead account.

Will I receive new checks? If so, when?
You should have received 8 starter checks mid-May. If you think you’ll need more, please call us at (800) 743-7228.

Will my Pacific FCU checks still work?
Yes, but we encourage you to switch to your Arrowhead checks right away. You should have received 8 starter checks in your Member Guide, but if you would like a box of checks, just let us know – the first one is on us!

Is there a monthly fee for the Arrowhead Checking account?
Arrowhead Checking is fee-free with eStatements. Enroll in eStatements by November 30 to waive the $5 monthly fee.

Did my routing number change?
Yes, your new routing number is 322282603.

How do I find my Arrowhead Checking account number?
It was included with your Member Guide, which you should have received mid-May. You can also access your checking account in Online Banking.

What if I want a dividend-earning checking account?
Give us a call at (800) 743-7228 and we can convert your Arrowhead Checking into a
Dividend Checking.

Will my checking overdraft from my savings?
Yes, all Arrowhead checking accounts are automatically set up to overdraft from your savings account*. If you would not like your accounts set up this way, please give us a call at (800) 743-7228.

*Applicable fees may occur.

Will my outstanding Pacific FCU checks still clear my account?
Yes, outstanding checks will withdraw from the available funds in your account. We recommend you use your Arrowhead checks moving forward.

Once you start using your Arrowhead checks, you'll be able to see images of your cleared checks within Online and Mobile Banking.


Is a savings account required?
No. If you had an existing savings, it transferred over to Arrowhead. If you wish to close it, please let us know by calling us at (800) 743-7228..

Can I have direct deposit go to my Arrowhead Savings?
Yes, you can have funds direct deposited into your Arrowhead Savings account, using the electronic account number that was included in your member guide mailed to you mid-May.

What are your savings rates?   
View our current savings rates here.

What is the minimum account balance requirement?
$5 is required to maintain your Arrowhead Savings account. Maintaining $300+ average balance or a $25 recurring monthly deposit waives the $3 monthly fee. You have a six-month grace period to meet these requirements. The fee will be instated after November 30.

How do I waive the monthly maintenance fee on my Arrowhead Savings?
With an average balance of $300+ or a $25 or more recurring monthly deposit. See our Fee Schedule for more information.

Please note we will waive the monthly maintenance fee of $3 until November 30. For members age 60 and up, we will automatically waive this monthly fee.

Did recurring transfers between my Pacific FCU accounts carry over to my Arrowhead accounts?
It depends. If you set up the transfer initially in branch or over the phone, it will carry over.

If you set it up in Online Banking, you will need to set it up again in Arrowhead Online Banking.

Credit Cards

Does my existing balance keep my PFCU rate or my new Arrowhead rate?
If you chose to accept the Arrowhead Visa, your existing balance remained at your PFCU interest rate. Any purchases or transfers after June 26 will be at a variable rate between 14.99% and 26.49% APR. Please refer to your change in terms notice that was mailed mid-April.

What if I don't want my Arrowhead Visa?    
The deadline to reject the Arrowhead Visa was May 27. If you wish to close your Arrowhead Visa, please call (800) 743-7228.

If you rejected the new terms, you will still be responsible for paying your Pacific FCU Visa balance as agreed, but no additional transactions will be permitted.

Your remaining card balance from PFCU will continue to be managed under your existing terms.

When did my Pacific FCU credit card(s) deactivate?
Your credit card deactivated on June 26 at 4:00pm PDT.

Do I need to update automatic payments?
Yes. If an automatic payment is made using your Pacific FCU credit card, we recommend you pay in advance for June. For future payments you can set up your automatic payments with your new information.

What is the difference between the Arrowhead Visa and my PFCU Visa?
The Arrowhead Visa has no annual fee, balance transfer fee, or cash advance fee. Plus, you'll get your FICO® score free, updated monthly on your statements and a competitive variable rate. Our best rate is currently 14.99% APR.

If you have an Arrowhead Checking account, you can also use your Visa as an overdraft protection source.

Did my payment date change?
Your payment due date is the 25th of every month.

Can I use my Arrowhead Visa as overdraft for my checking?
Yes, a great feature of the Arrowhead Visa is that you can use it as an overdraft protection source for your checking account.

You can set this up in Online Banking or call us at (800) 743-7228.

When will I receive my Arrowhead Visa?
If you have not yet received your Arrowhead Visa, please call us at (800) 743-7228.


Will my due date be the same?
Yes, your due date will stay the same. You were mailed specific information about your loan, if you have not received it, please call us at (800) 743-7228.

Is my interest rate on my loan the same?
Yes, your interest rate is the same on the loan balances that moved over. Any new balances will be at our current rates.

Is my loan term the same?
Yes, your loan term will remain the same.

How do I open a new loan?
You can call us at (800) 743-7228, visit a branch, or apply online.

Did my automatic payment carry over?
Any automatic payments from Pacific FCU transferred over, but if you have any payments set up coming from other institutions, they did not transfer over and you'll need to set them up again.

How do I make my loan payment to Arrowhead?
You can make payments using your Arrowhead account in Online Banking, in a branch or by calling us at (800) 743-7228.

If you’d like to pay your loan online using another financial institution, visit

Will I get loan coupons?
No, we do not provide loan coupons. Payment information will be provided in your statements. If you need help setting up payments, give us a call at (800) 743-7228.

Will I receive updated DMV registration for my auto loan?
Yes, you will receive a new registration card from the DMV showing Arrowhead Credit Union as your lien holder. This will happen automatically, you won’t need to do anything differently.


Will my maturity date and dividend rate change?
No, they will both remain the same.                    

How will this affect my 2022 tax forms?
Your 2022 tax forms will come from Arrowhead, and will include information from your
Pacific FCU accounts.

About Us

We formed to serve the needs of San Bernardino County employees. Over seven decades we’ve grown to more than 170,000 members. More importantly, we've built a reputation of our service and support of the community. 


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