On the day you initiate your transaction on the Personal Savings website, the amount will be reflected in your Current Balance and will begin/stop earning interest immediately. Funds transferred into your Personal Savings account will be available for withdrawal on the 5th business day‡ after the deposit is initiated. External banks are required to reflect funds transferred to them within 2 business days, but most will do it within one business day. If you are eligible for, and select, expedited transfers, the bank could reflect your transfer as soon as the same day.

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If you initiate a transfer from your Personal Savings account using your external bank's website, we will usually receive the transfer request within 1-2 business days.‡ The transfer will be reflected in your Current Balance and Available Balance the following morning. The external bank will typically alert you when the funds are available.

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If you clear your internet browser’s “cookies”, change your password, log in from a different device (computer, smart phone, or tablet), or do not check the “Remember this device” box when you enter your code, we will provide you with a one-time identification code to verify your identity. This one-time identification code is one of a number of security measures Personal Savings uses to protect the security of your account. We send the one-time identification code to you by email, SMS (Text) message, or phone in order to ensure we are communicating with the authorized account holder. If you are consistently using the same device and the same password and you are still required to use a one-time identification code, please ensure you are checking the “Remember this device” checkbox when you enter the code. If you are, then check your browser and privacy settings, as your browser may be automatically clearing cookies after every session.

You can change your password when logged in by clicking the My Profile tab and selecting Change Password. You need to enter your current password in order to create your new password. The same password cannot be used consecutively.

If you have forgotten your user name or password, go to the login page and click either the "Forgot User Name?" or "Forgot Password?" link and follow the prompts.

If you are locked out of your account (and the page requests you contact us), please call us at 1-800-446-6307 and ask the Representative to issue you a temporary 6-digit password . This method will allow you to keep your current password.