Our new Hampden Branch located at 25 East Longmeadow Road is currently under construction. We anticipate being open for business in the fall of 2010.

After August 15, 2010, we will not authorize and pay overdrafts for the

following types of transactions unless you ask us to (see below)

An overdraft  occurs when you do not have enough money in your account to cover a transaction but we pay it anyway.  We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans such as a link to a savings account, which may be less expensive than our standard overdraft practices.  To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

• ATM Transactions
• Everyday Debit Card Transactions

We pay overdrafts at our discretion which means that we do not guarantee that we will always authorize and pay any type of transaction.  If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Polish National Credit Union?

Under our standard overdraft practices :

• We will charge you a fee of $20 each time we pay an overdraft
• There is no limit on the total fees we can charge your account

You may receive a phone call from Elan Financial Services Company. We work closely with this company to help protect our members and thier information. If you receive a phone call from them please check the number they are asking you to call. The numbers below are the only ones you need to call:    

                                                               1-866-842-5208 or 1-800-264-5578

If these are not the number they call with, Hang up! Call one of the number above and report your card compromised immediately!

With this free service, you have access to your monthly statement(s) from virtually anywhere. It is a free, convenient and environmentally friendly way to receive and view your monthly account information. Each month we will send you an email notification to alert you that your account statement(s) are ready to be viewed. You must be a PNCU-ONLINE user in order to receive E-Statements. After you log in click on the Account Services Tab then click on View Statements and follow the prompts.

Major Scam Alert!!!

Polish National Credit Union did not call or text... There is a phishing scam going on! Do not give out any of your information. Phone numbers are being chosen randomly and they are looking for your information. These fraudulent phone calls and text meassages are using area banks and credit union names in hopes to collect information. Do not give any information. If you have given your information call us here at 413-592-9495 immediately to hot card your accounts. Or contact your institution to report the fraud.

Call 866-292-7683 anytime day or night.

A PNCU representative will assist you in completing your application

Please view our Financials page for our current financial statement. Click here for information on how your accounts are federally insured through NCUA and additional insurance coverage is provided by MSIC.

Click here for NCUA information.

Click here for MSIC information.