Polish National Credit Union offers a wide range of services to our members, which are provided in person, electronically and via the Internet. We offer fully automated electronic services, i.e. Direct Deposit, 24/7 Telephone Banking and free 24/7 Online Banking and Bill Payment. We offer free Notary services to our members.

Polish National Credit Union’s online services are available to our members 24 hours a day, 7 days a week and can be accessed from any Internet access location. Our members may order checks, pay bills, transfer funds, apply for a loan, or balance their checkbook at a time and place that is convenient for them.


Polish National Credit Union offers state of the art electronic banking services.


  • PNCU-ONLINE is available 24/7 to pay bills, check balances and transfer funds from your home computer or anywhere that you have access to the internet.
  • Mobile Access allows members to pay bills, check balances and transfer funds using a any internet capable cellular phone.
  • Both services are available free to our members.


Mobile Deposit Capture

Mobile Deposit is a service available to members who have an eligible account* through our iPhone and Android mobile banking apps. Simply download our mobile app on your iPhone or Android mobile device, or upgrade to the latest version of our app to access this free service. With Mobile Deposit you can conveniently deposit checks directly into your Polish National Credit Union savings or checking account, without going into a branch, and by simply taking a picture of a check using your smartphone. Mobile Deposit is available to both personal and business customers of the credit union.

Note: In order to use the feature, on your initial login to the Deposit Checks feature you will need to read and accept the disclosure and agreement.

* Please see Frequently Asked Questions for more information on the Mobile Deposit Capture service.


Credit Cards

At Polish National Credit Union, our industry leading consumer and business credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs.

´╗┐Learn More or Apply Now  Credit Card Account Access            

MasterMoney Debit Cards

  • MasterCardUse our free MasterMoney Debit Card for purchasing goods and services at any merchant who displays the MasterCard®, Cirrus or Plus logos.
  • Use our MasterMoney Debit Card to obtain cash at any of our offices and at any non-proprietary ATM which displays the SUM logo with no surcharge. 
  • You may also obtain cash at any ATM which display the same logos.*
  • Shop securely at online merchants using our free MasterCard® SecureCodeTM

MasterCard SecureCode

Note: If your Polish National Visa credit card looks like this   please use this link for credit card account access.

Terminal Transfers - You can get a receipt at the time you make a transfer to or from your account using an ATM or Point-of-Sale Terminal. However, you may not get a receipt if the amount of the transfer is $25.00 or less.

ATM/Debit Card

  • Our ATM/Debit Card may be used at no charge at all of our offices.
  • You will not pay surcharges at any non-proprietary ATM which displays the SUM logo.*
* Fees may be charged to you by the owner/operator of any ATM not displaying the SUM logo or Polish National Credit Union logo, at the time of your transaction.

24/7 Telephone Banking

  • Our 24 Hour Account Manager is a free service available on a 24/7 basis. Simply dial our toll free number 888-592-PNCU(7628) and follow the menu prompts.
  • Our members can check balances, transfer funds, make loan payments, review checks paid and also review recent ATM deposits and withdrawals.

Wire Transfers

Polish National Credit Union offers wire transfer services on both a Domestic and International level. Signature verifications are required.

Incoming Wire Fee
Domestic  $10.00
Foreign  $10.00
Outgoing Wire Fee
Domestic  $20.00
Foreign  $45.00


Polish National Credit Union has offices located in Chicopee, Chicopee Falls, Granby, Westfield, Southampton, Hampden and Wilbraham Massachusetts.

  • Free Notary Public services for members are available at all offices.
  • Money Orders are provided to our members at a nominal fee of $3.00 each at all branch locations.
  • Treasurers Checks are provided to our members for only $5.00 each when withdrawing funds from a Polish National Credit Union account. They are available at all branch locations.
  • Safe Deposit Box Rentals are available in our Chicopee Falls, Granby and Wilbraham  offices.
  • Coin Counting is available in our Wilbraham and Southampton offices.
Safe Deposit Box Rentals
Box Size Annual Rental
2" x 5" $30
3" x 5" $35
5" x 5" $45
3" x 10" $55
5" x 10" $65
7" x 10" $100
10" x 10" $125