PNCU Perks Checking

Here's what this dynamic Perks Checking account offers our members:


  • An attractive variable interest rate with free first order variety pack of checks
  • Free eStatements1 2, online banking, mobile banking2 and bill pay
  • Free mobile deposit capture
  • Free Apple® 2 and Samsung Pay
  • Free Debit MasterCard® with usage rewards up to $10 per month3
  • ATM surcharge rebate of up to $10 per month4
  • Savings on new loans, including $350 off mortgage fees and a 0.25% lower rate for auto and personal loans5
  • One free domestic wire transfer per year
  • Free IDProtect®- Identity Theft Monitoring and Resolution Services6

To register for IDProtect® click here and use access code MA732466. Follow the simple step-by-step instructions to register and activate benefits. Call 1-866-210-0361 for assistance. Once you are registered, accessing your benefits is easy- online at or with the IDProtect® mobile app.

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Are you currently a member of Polish National Credit Union?

Where is our closest branch to you: Click here for a list of locations.


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A Polish National Credit Union representative will follow up to answer your questions.

Our Member Service Representatives are only a phone call away if you need assistance. Contact us at 800-592-7628.

Check out our other personal account products here.

Eligibility Requirements:
To open an account or apply for a loan with PNCU, you must become a member. Membership is attained by opening a deposit account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut.
Direct Deposit to PNCU Perks Checking account from payroll, retirement, or social security is required.
1 A service fee of $5.00 will be charged each month. This fee will apply if you require paper statements.
2 Your wireless carrier may assess fees for data, text messaging, or web services. Please consult your wireless plan provider for details. Visit Personal/PNCU-Perks-Checking for full details and disclosures. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
3 A 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.
4 Surcharge 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.
5 $350 off the closing costs of any new purchase first mortgage or new money refinanced mortgage with Automatic Payment from a PNCU Perks Checking Account (Home Equity Loans and Home Equity Lines do not qualify for this offer). Closing cost discount will be applied as a lender credit at loan closing. 0.25% deduction in the interest rate charged on any new money or new money refinance automobile loan or personal loan with Automatic Payment from a PNCU Perks Checking Account. To qualify for any discount a PNCU Perks Checking Account must be opened prior to closing. All loan applications subject to underwriting and collateral approval. This offer can change without prior notice. Other restrictions may apply.
6 IDProtect 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.