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Let me make it clear about Checking Accounts

Pawtucket Credit Union accounts that are checking a selection of helpful advantages.

  • Overview
  • Debit/ATM Card
  • ATM Access
  • always always Check Re-order
  • Overdraft Protection
  • 24 Hr TellerPhone
  • Provider Charges

Pawtucket Credit Union accounts that are checking surcharge-free ATM access through the RI Credit Union Connection.

Features/Benefits Simple Spectrum Direct Plus Debit Card
Open on line Open Now Open Now start Now start Now
Interest-Bearing No No Yes Yes
Free Unlimited Check Writing Yes Yes Yes Yes
Free Checks Free very very first purchase of basic checks complimentary first purchase of PCU design checks and 1 order each year thereafter totally Free very very very first purchase of PCU design checks and 1 order each year thereafter Free very very first purchase of PCU design checks and 1 purchase each year thereafter
minimal Balance None $1,000 typical daily balance in checking or $5,000 normal day-to-day stability in virtually any mix of PCU deposit, loan and/or mortgage reports None None
totally totally Free ATM/Debit Card Yes Yes Yes Yes
Free Foreign ATMs 1 None 10/month Unlimited Unlimited
aim Of Sale Transactions Unlimited Unlimited Unlimited Unlimited: the least 12 non-ATM debit card transactions every month required
e-Statement Optional Optional Optional forced
complimentary on line Banking & BillPay Yes Yes Yes Yes
Monthly Service Charge $4.95 None, or $12 if minimal balance not maintained None, or ten dollars if direct deposit maybe maybe not maintained None, or ten dollars if 12 non-ATM debit card deals per month not posted
Direct Deposit Required No No Yes No

$25 to start. 1 No transaction that is foreign from Pawtucket Credit Union. ATM owners may impose a charge.

Debit/ATM Card

For the people of us who does instead perhaps maybe maybe not compose checks in check-out lines, our VisaВ® Check Card represents a welcome alternative indeed.

It really works similar to money (provided that your present balance covers your purchase, you’re approved.)

All PCU debit/ATM cards are in possession of an imbedded microchip which adds a supplementary layer of safety whenever utilized at chip reading terminals.

To find out more, please browse the EMV Debit/ATM Card that is following FAQs.

EMV Debit / ATM Card FAQs

What exactly is EMV?

EMV stands for European Mastercard / Visa. This implies that the debit / ATM card includes a microchip embedded with it which will make your deals safer whenever utilized at a vendor with chip audience terminals.

How can i personally use it?

In the event that merchant has chip audience terminals, you insert your card because of the chip facing up, keep the card within the terminal and proceed with the display screen encourages to accomplish your purchase. If your signature is necessary, merely indication. Be sure you eliminate your card after the receipt was printed. In the event that vendor doesn’t have chip audience terminals, you swipe your card exactly the same way you will have.

Will my EMV that is new card work on ATMs?

Yes, your card works precisely the way that is same your current / old one and certainly will have exactly the same PIN quantity.

Verified by Visa

Make the Pawtucket Credit Union Visa® Check Card you already utilize, add a password to verify purchases that are online and also you’ve got Verified by Visa®, the solution that can help to ensure just you can make use of your card on line. Visa® constantly protects you against unauthorized acquisitions. However with Verified by Visa®, it is possible to assist in preventing purchases that are unauthorized they also happen.

To learn more click the Verified by Visa® logo. Better still, this speed that is blazing while using the accountability you’re searching for. All Visa® Check Card acquisitions are listed on your monthly bank checking account statement. And, since Visa® is welcomed virtually every where, you might be too – at significantly more than twelve million locations at final count.

Your VisaВ® Check Card normally an ATM card, pulling duty that is double around the globe. In reality, it is great for cash whenever you see SUM, Cirrus Plus, NYCE or Visa for a nearby ATM, helping you to withdraw as much as $500, stability permitting, within any 24-hour period.

To report a stolen or lost VisaВ® Check Card please phone: 833-809-9971.

Convenient ATM Access At All Branch Areas

As a part regarding the Rhode Island Credit Union ATM system, fee-free withdrawals can be obtained at participating credit unions for the state.

Find Pawtucket Credit Union ATMs
Find Surcharge-free Foreign ATMs

Always check Re-orders

On the web check re-orders are unavailable. Please contact the phone call Center at (401) 722-2212 or (800) 298-2212, choice 7, or check out any branch workplace for help. So that the precision of one’s information, please have your check re-order slide available.

We apologize for almost any inconvenience this may cause.

Many thanks

Overdraft security helps in avoiding your checks from being came back or your debit card from being declined if you don’t have funds that are sufficient your account to pay for your purchase. It provides additional ATM funds and makes it possible to avoid merchants’ bounced check fees.

Overdraft Privilege

  • $600 of available protection
  • Account qualified centered on deal history
  • No month-to-month or yearly charges
  • Per item charge only when you overdraw your bank account
  • Charges differ in line with the kind and quantity of overdraft

Overdraft Personal Credit Line

  • Apply while you would for a financial loan
  • Interest only on outstanding balances
  • Revolving line – usage it, repay it, make use of it once more
  • Coverage of $500 or maybe more centered on skills

Url to Checking Account

  • Immediately move funds from your own family savings
  • No month-to-month or fees that are annual
  • Per transfer charge only if you overdraw your account

24 Hour TellerPhone

We recognize that banking does not wait for “normal always business hours.” That’s why our TellerPhone lets you access username and passwords – present and available balances, cleared checks, deposits, withdrawals, and ACH deal history; transfer funds, make loan re re payments, get present prices, and much more, anytime – day or evening.

How it operates
  1. Phone 401-725-8436 or 800-966-3620
  2. Pick from the menu of choices for accessing your username and passwords.

Provider Costs

To install our provider charges Schedule PDF file, just click here.

You’ll need Adobe’s free Acrobat Reader computer software to look at the file.

Pawtucket Credit Union

1200 Central Ave

Pawtucket, Rhode Island 02861

Your cost cost savings federally insured to at the least $250,000 and supported by the full faith and credit regarding the usa Government. National Credit Union Management, a U.S. National Agency. Equal Housing Lender. Equal Chance Lender.

Affirmative Action / Equal Chance Employer В© 2020 Pawtucket Credit Union