Pawtucket Credit Union checking accounts offer a number of helpful advantages.

  • Overview
  • Debit/ATM Card
  • ATM Access
  • 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 start Now start Now Open 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 Free very first purchase of PCU design checks and 1 purchase each year thereafter totally Free very first purchase of PCU design checks and 1 purchase each year thereafter
minimal Balance None $1,000 average balance that is daily checking or $5,000 normal day-to-day stability in just about any 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
complimentary on the web 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 perhaps perhaps 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 start. 1 No international deal costs from Pawtucket Credit Union. ATM owners may impose a charge.

Debit/ATM Card

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

It really works exactly like money (so long as your present balance covers your purchase, you’re approved.)

All debit/ATM that is PCU currently have an imbedded microchip which adds an additional layer of protection when used 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 is quick for European Mastercard / Visa. This implies that the debit / ATM card has a microchip embedded on it to produce your deals safer when utilized at a vendor with chip audience terminals.

Just how do it is used by me?

In the event that vendor has chip audience terminals, you insert your card utilizing the chip facing up, keep the card into the terminal and proceed with the display screen encourages to perform your purchase. In cases where a signature is necessary, just indication. Make sure to eliminate your card after the receipt happens to be printed. In the event that vendor won’t have chip audience terminals, you swipe your card exactly the same way you also have.

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

Yes, your brand-new card works precisely the way that is same your present / 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 online acquisitions, and also you’ve got Verified by Visa®, the solution that can help to make sure that only you need to use your card on line. Visa® constantly protects you against unauthorized purchases. However with Verified by Visa®, you can easily assist in preventing unauthorized acquisitions before they even happen.

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

Your VisaВ® Check Card is also an ATM card, pulling duty that is double around the world. In reality, it is great for cash whenever you see SUM, Cirrus Plus, NYCE or Visa on 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 Areas

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

Find Pawtucket Credit Union ATMs
Locate Surcharge-free Foreign ATMs

Check always Re-orders

On line 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 one’s information, please have your check re-order slide available.

We apologize for almost any inconvenience this could cause.

Thank you

Overdraft security helps in avoiding your checks from being came back or your debit card from being declined if you don’t have adequate funds in your account to cover your purchase. In addition it provides extra ATM funds and makes it possible to avoid merchants’ bounced check fees.

Overdraft Privilege

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

Overdraft Credit Line

  • Apply payday loans East Sussex while you would for a financial loan
  • Interest just on outstanding balances
  • Revolving line – usage it, repay it, make use of it once more
  • Coverage of $500 or more according to skills

Connect to Checking Account

  • Immediately move funds from your own family savings
  • No monthly or yearly charges
  • Per transfer cost only when you overdraw your account

24 Hour TellerPhone

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

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

Provider Charges

To install our provider charges Schedule PDF file, click on this link.

You will require Adobe’s free Acrobat Reader Software to see 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 faith that is full credit regarding the usa 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

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