Digital Banking FAQs

Download Guide

Download Guide

Yes, you can set up transfers between BienestarFCU accounts on which you are an owner or joint owner.

To transfer between your Bienestar FCU accounts in Online Banking, follow the steps below:

1. LOGIN to Online Banking

2. Click the Transfer Money tab 

3. Click the Between Your Accounts button

4. Select the account you would like to transfer from

5. Select the account you would like to transfer to

6. Type in the amount of your transfer

7. Enter the date of the transfer

a. Select a transfer frequency and end date to make this a recurring transfer (weekly, monthly, etc.)

8. Add an optional memo

9. Click the Continue button

10. Review your information and click Continue when you are finished

Your transfer will be completed on the date you selected.

To transfer funds to an account you own at another financial institution:

1. Log in to Online Banking
2. Select the Transfer Money tab
3. Click Send Money
4. Choose the PAHO/WHO FCU account you want to send money from
5. Choose the external account you would like to send money to
6. If you have not added any external accounts:
7. Click Manage External Accounts
8. Click Add External Account
9. Follow the prompts to add and verify an account with Plaid
10. Please note that this process can take a few days
11. Enter your transfer preferences
12. Click Continue
13. Review the transfer details
14. Click Continue to submit your transfer

To withdraw funds from another financial institution:

1. Log in to Online Banking
2. Select the Transfer Money tab
3. Select Withdraw Money
4. Choose the external account you want to withdraw money from
5. If you have not added any external accounts:
6. Click Manage External Accounts
7. Click Add External Account
8. Follow the prompts to add and verify an account with Plaid. Please note that this process can take a few days
9. Choose the PAHO/WHO FCU account you would like to send money to
10. Enter your transfer preferences
11. Click Continue
12. Review the transfer details
13. Click Continue to submit your transfer

Funds from external account transfers are typically available within a few business days.

Yes, you will need to set up your recurring external transfers again in the new online system through PLAID®, which is a financial services app that will allow you to make external transfers to and from your own account(s) at another financial institution or view your account balance(s) at other financial institutions.

No, the recurring internal transfers that you currently have set up in the existing online banking system will NOT need to be set up in the new online banking system

• For Web Browser Online Banking: Go to the Bienestar FCU website at www.pahofcu.org and select “Online Banking Login” on the right side of the web page. 
• For Mobile App Online Banking: Download the new Bienestar FCU mobile app from the Apple or Google store.
  The new mobile app looks like this 

Then enter your existing Username and Password. If your existing Password does not meet new password safety requirements, you will be prompted to update your password after initial Login.

To “Enroll”, simply complete the following steps for the web browser or mobile app online banking: 

• For Web Browser Online Banking: Go to the Bienestar FCU website at www.pahofcu.org and select “Online Banking Login” on the right side of the web page. 
• For Mobile App Online Banking: Download the new Bienestar FCU mobile app from the Apple or Google store.
  The new mobile app looks like this 

Then select “Enroll” 

• Then enter your Account Number, Social Security Number (SSN), or Individual Tax Identification Number (ITIN), and Date of Birth. Create a Username and Password. For security purposes, DO NOT use your SSN or ITIN in creating your credentials. Save this information securely to Login next time. See “Need Assistance” below if you do not have SSN or ITIN.
• Next, you will be asked to agree to the Terms and Conditions and Electronic Communications (enroll in eStatements and eAlerts).

Need Assistance. If you need any help with the steps listed above, please call PAHO/WHO FCU Member Services at 866-724-6328 (toll-free), Monday - Friday 8:00am - 3:00pm ET for assistance.

Yes, you will need to download the new Bienestar FCU mobile app from the Apple or Google store.
The new mobile app looks like this 

You will also need to delete the existing/old mobile app as it will no longer work.
The existing/old mobile app looks like this

Google Play Store    

Apple App Store 

Yes, you can reset your “Password” using the “Need Login Help?” on the Login screen. You will receive a reset verification code to your email we have on file. If you do not receive the email, call PAHO/WHO FCU Members Services at (202) 974-3453 or 866-724-6328 (toll-free), Monday - Friday 8:00am - 3:00pm ET or send a secure email to fcu@pahowhofcu.org for assistance.

No, you can select “Remember me” on the Login page. Then, you will only need to enter a verification code if you log in from a different device or IP location or if you have not logged in to the system for period of time.

Yes, you will see all the accounts that you are currently a joint owner on in your online banking profile.

If you need assistance with accessing or using the new online banking app, please call Bienestar FCU Member Services at (202) 974-3453 or 866-724-6328 (toll-free), Monday - Friday 8:00am - 3:00pm ET; or send a secure email to memberservices@bienestarfcu.org. Member Services can help you with all your questions, including: 

• Email address or contact information is incorrect
• What happens if my email address or phone number used for one-time passwords (OTP) is not updated in the new online banking system, how can this issue be resolved?
• What should I do if my account is locked after multiple login attempts?

Yes, you will sitll be able to deposit checks through the new app.

No, your Bill Pay account and recurring payments, history, and payees, will transfer into the new system.

If you are currently enrolled in eStatements and eAlerts, you will still be enrolled.

If you are NOT currently enrolled in eStatements and eAlerts, and: 

• are a current user of Online Banking, you can select the “More” icon on the main menu bar) and then select “e-Documents”. Highlight your email address, agree to the terms and conditions, and then select “Enroll,”
• have never used Online Banking before, you can opt-in to eStatements when you “Enroll” in the new online banking system for the first time.

Yes, your current Alerts will NOT move over to the new system. You will need to set up the banking Alerts again. 

Yes. The existing PAHOFCUCards Mobile app will continue to be available. 

Login to Online Banking and click on “More” icon. Then select “Secure Message” from the option menu. If you are not able to login to Online Banking, then please send an secure an email to memberservices@bienestarfcu.org or call Bienestar FCU Member Services at (202) 974-3453 or 866-724-6328 (toll-free), Monday - Friday 8:00am - 3:00pm.  

You can also view but not edit your contact information. To view your info: 

• Login to Web Browser Online Banking: Click on the “Round Avatar Icon” on the top left side of the web page. You can also click on “More” icon and then select “Profile Settings” on the right side of the web page. Enter your changes, then select  the “Save changes” button on the bottom left of the page.
• Login to Mobile App Online Banking: Click on the “Round Avatar Icon” on the top left side of the page. Click on “Edit” on the top right of the page. Enter your changes, then select “Save” on the top right of the page.

Click on the “Round Avatar Icon” on the top left side of the page.  Then click on the “Camera Icon”, select the file location where your avatar or photo image is stored. Once the image is uploaded the following message will appear: “Congratulations! Your profile picture has been updates.” 

Customize Account Display – You can customize the way your accounts are displayed (in a list or each account summarized in an easy-to-read tile/box.

Account Balances – Your current balance for each account is displayed and the total available balance across all accounts is located on the top left of the dashboard.

External Transfers with PLAID® – You can make external transfers to and from your own account(s) at another financial institution or view your account balance(s) at other financial institutions. You will also be able to set up recurring transfers to other financial institutions.

Credit and Debit Card Management – You can view and manage your credit and debit cards within the new online banking system. Plus, you will have access to additional tools designed to help you manage your card securely and conveniently You will no longer need to Login to a separate app to do the following activities on:

• Credit Cards – Block or unblock your credit card, view your credit card balance, pay your credit card bill, view credit card transactions, enroll in autopay, eStatements, redeem reward points, add travel notifications, and report a lost or stolen card. 
• Debit Cards – Block or unblock your debit card. If misplaced, your debit card, you can temporarily block it to prevent unauthorized transactions while you look for it or report it as lost. When a card is blocked, it cannot be used for purchases, ATM withdrawals, or card setting changes. You can also activate your debit card, add travel notifications, and view all your debit card transactions

The existing PAHO/WHO FCU Cards Mobile app will continue to be available. This app will allow you to obtain a virtual credit card to add to your wallet as well as perform other functions for debit and credit card.

Pay others with Zelle® – Immediately transfer money to other people directly between U.S Bank accounts, usually within minutes if both parties are enrolled in Zelle®. There is no fee to you for this service.

Credit score with SAVVYMONEY® – View your credit score. You will need to “opt in” and agree to the Terms and Conditions.

Wire Transfers (domestic and international) – Initiating a request for domestic and international wires.