Let me make it clear about Checking Accounts

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

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

Pawtucket Credit Union checking accounts offer 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 purchase each year thereafter totally totally Free very very first purchase of PCU design checks and 1 purchase each year thereafter totally totally totally Free very very first purchase of PCU design checks and 1 purchase per year thereafter
minimal Balance None $1,000 normal balance that is daily checking or $5,000 typical day-to-day balance in every mixture of PCU deposit, loan and/or mortgage reports None None
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 deals every month required
e-Statement Optional Optional Optional forced
Free on line Banking & BillPay Yes Yes Yes Yes
Monthly Service Charge $4.95 None, or $12 if minimal balance not none that is maintained or ten dollars if direct deposit maybe perhaps not maintained None, or ten dollars if 12 non-ATM debit card deals each month not posted
Direct Deposit Required No No Yes No

$25 to open up. 1 No international deal charges from Pawtucket Credit Union. ATM owners may impose a cost.

Debit/ATM Card

For all those of us that would instead perhaps not compose checks in check-out lines, our VisaВ® Check Card represents an alternative that is welcome.

It really works the same as money (as long as your account that is current balance your purchase, you’re approved.)

All PCU debit/ATM cards will have an imbedded microchip which adds a supplementary layer of security whenever utilized at chip reading terminals.

To learn more, please browse the after EMV Debit/ATM Card FAQs.

EMV Debit / ATM Card FAQs

What exactly is EMV?

EMV stands for European Mastercard / Visa. What this means is that the debit / ATM card has a microchip embedded on it in order to make your deals better whenever utilized at a vendor with chip reader terminals.

Just how do I prefer it?

In the event that vendor has chip audience terminals, you insert the chip to your card facing up, keep the card within the terminal and stick to the display screen encourages to perform your purchase. In case a signature is needed, just indication. Make every effort to remove your card when the receipt happens to be printed. The same way you always have if the merchant does not have chip reader terminals, you swipe your card.

Will my EMV that is new card just work at ATMs?

Yes, your brand-new card is going to work precisely the way that is same your current / old one and certainly will have exactly the same PIN quantity.

Verified by Visa

Use the Pawtucket Credit Union Visa® Check Card you already make use of, add a password to verify online acquisitions, 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®, you are able to help alleviate problems with purchases that are unauthorized they also happen.

To find out more click the Verified by Visa® logo. Better yet, this blazing rate comes with the accountability you’re searching for. All Visa® Check Card acquisitions are noted on your checking account that is monthly declaration. And, since Visa® is welcomed practically every where, you may be too – at significantly more than twelve million areas at final count.

Your VisaВ® Check Card normally an ATM card, pulling dual responsibility all over the world. 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 duration.

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

Convenient ATM Access At All Branch Places

As an associate associated with the Rhode Island Credit Union ATM system, fee-free withdrawals can be found at participating credit unions through the entire state.

Find Pawtucket Credit Union ATMs
Find Surcharge-free Foreign ATMs

Check always Re-orders

On the web check re-orders are unavailable. Please contact the Call Center at (401) 722-2212 or (800) 298-2212, choice 7, or see any branch workplace for help. To guarantee the precision of the information, please have your check re-order slide available.

We apologize for almost any inconvenience this could cause.

Many thanks

Overdraft security helps in avoiding your checks from being came back or your debit card from being declined in case you don’t have adequate funds in your bank account to pay for your purchase. It provides extra ATM funds and can help you avoid merchants’ bounced check fees.

Overdraft Privilege

  • $600 of available protection
  • Account qualified centered on deal history
  • No month-to-month or yearly costs
  • Per product charge only when you overdraw your account
  • Fees differ on the basis of the kind and quantity of overdraft

Overdraft Personal Credit Line

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

Url to Checking Account

  • Immediately move funds from your own family savings
  • No month-to-month or yearly costs
  • Per transfer charge only when you overdraw your bank account

24 Hour TellerPhone

We realize that banking does not wait for “normal always company 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 – time or evening.

How it operates
  1. Phone 401-725-8436 or 800-966-3620
  2. Pick from the menu of alternatives for accessing your bank account information.

Service 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 very least $250,000 and supported by the faith that is full credit regarding the United States Government. Nationwide Credit Union Management, a U.S. National Agency. Equal Housing Lender. Equal Chance Lender.

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