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Personal Accounts

PNCU Perks Checking Account

Here is what this new dynamic checking account offers our members:

  • An attractive variable interest rate
  • Free eStatements1, Online Banking & Bill Pay, and mobile banking2
  • Free Mobile Deposit Capture
  • Free Identity Theft Protection Service3 - IDProtect®
  • Free Apple Pay/Samsung Pay **Coming Soon**
  • Free Debit MasterCard® with usage rewards up to $10 per month4
  • ATM Surcharge rebate of up to $10 per month5
  • Savings on new loans, including $500 off mortgage fees and a 0.25% lower rate for auto and personal loans6
  • Free 24/7 Telephone Banking and Toll free number
  • Free ATM Transactions at PNCU ATMs & over 40,000 nationwide in the SUM® and MoneyPass® Networks
  • Free First Order of 50 Checks
  • Free Domestic Wire Transfer - 1 per year
  • Overdraft Protection
  • Direct Deposit

The Cost Less N.O.W. Account

An interest bearing N.O.W. account with no fees, no service charges and no minimum balances!
Plus:

  • Free Online Banking & Bill Pay
  • Free Debit MasterCard®
  • Free 24/7 Telephone Banking and Toll free number
  • Free ATM Transactions at PNCU ATMs
  • Free First Order of 50 Checks
  • Overdraft Protection
  • Direct Deposit
  • Variable interest rate
  • Monthly Statements

The N.O.W. Account

An interest bearing N.O.W. account. Plus:

  • Free Online Banking & Bill Pay
  • Free Debit MasterCard®
  • Free 24/7 Telephone Banking and Toll free number
  • Free ATM Transactions at PNCU ATMs
  • Free First Order of 50 Checks
  • Overdraft Protection
  • Direct Deposit
  • Variable interest rate
  • Monthly Statements
  • $5.00 Monthly Service Charge

Money Market Account

  • Tiered interest rates available
  • Payroll Deduction/Direct Deposit
  • Free ATM Access at PNCU ATMs
  • Free Online Access
  • Free 24/7 Telephone Banking & Toll Free Number
  • Monthly Statements
  • Minimum Balance Required

Statement Savings Account

  • Variable Interest Rate
  • Payroll Deduction/Direct Deposit
  • Free ATM Access at PNCU ATMs 
  • Free Online Access
  • Free 24/7 Telephone Banking & Toll Free Number
  • Monthly Statements

Term Shares (Certificate of Deposits)

  • Terms from 3-96 months
  • Free Online Access
  • Quarterly Statements
  • Fixed Rate for Length of Term

Club Accounts

  • Payroll deductions
  • Interest bearing
  • $5.00 minimum to open
  • Monthly Statements

Looking to join? Please contact us for more information.

 

1A service fee of $5.00 will be charged each month. This fee will apply if you require paper statements. 2Your wireless carrier may assess fees for data, text messaging, or web services. Please consult your wireless plan provider for details. 3IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.  4A minimum of 10 (ten) Polish National Credit Union MasterCard® Debit Card POS transactions must be made during the Perk Period to qualify for the Debit Card Perk. The Perk Period is the period during which the qualification requirements must be met in order to earn the disclosed Debit Card Perk. This period begins on the day your current periodic statement is generated and generally ends on the last business day before the next statement is generated. ATM Transactions are not qualifying transactions and will not be counted toward the minimum ten transactions or paid a Debit Card Perk. Qualified transactions must post and clear to the account during the Perk Period and may not be in a pending status to qualify. Transactions may take one or more business days from the date the transaction was made to post and clear the account. Once qualified, each Polish National Credit Union MasterCard® Debit Card POS transaction (excludes ATM transactions) posted to the account during the Perk Period will earn $0.10, up to a maximum Debit Card Perk of $10.00. Debit Card Perks for qualified transactions will be credited to the account on the last day of the statement cycle. 5Surcharge Fees imposed to this account by any other ATM owner within the U.S. will be refunded up to a maximum amount of $10.00 per statement cycle.  Surcharge Rebate Perks for qualified transactions will be credited to the account on the last day of the statement cycle. 6$500 off the closing costs of any new purchase first mortgage or new money refinanced mortgage (Home Equity Loans and Home Equity Lines do not qualify for this offer).  PNCU Perks Checking account must be opened prior to application. Closing cost discount will be applied as a lender credit at loan closing. All loan applications subject to underwriting and collateral approval. Other restrictions may apply. 0.25% deduction in the interest rate charged on any new money or new money refinance automobile loan or personal loan. PNCU Perks Checking account must be opened prior to application. All loan applications subject to underwriting and collateral approval. Other restrictions may apply.

Eligibility Requirements:
To open an account or apply for a loan with PNCU, you must become a member. Membership is attained by making a $25.00 deposit into a savings account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties.