Disclosures can be provided in electronic form for the deposit account(s) you have selected to be opened online. Before obtaining products or services electronically, you must read and indicate your acceptance of the terms outlined below. If you do not consent, you will not be able to proceed with the online account opening process. You may contact us at any PNCU Location to open a new account.

  1. In this consent “we”, “us”, and “our” are used to refer to PNCU. All of the disclosures being provided to you may, at our discretion, be in electronic form, and you will be able to review them online in addition to downloading and/ or printing them. Your consent applies only to the disclosures and notices applicable to the deposit accounts opened during this online session.
  2. Disclosures provided in electronic form will not be distributed in paper form. After consenting, if you wish to obtain a paper copy of the disclosure(s), you can do so free of charge by writing us at the address listed below.
  3. You have the right to withdraw your consent at any time, at no cost to you, by writing us at address listed below.
  4. By consenting to receive disclosures and notices electronically, you agree to provide us with the information (such as current email address) necessary to communicate with you electronically. You are required to update us with any changes in such information by writing us at the address listed below.
  5. The following lists the hardware and software requirements necessary for the access to and retention of the information being provided to you in electronic form. By consenting to receive the disclosures online, you will also be verifying you meet the necessary hardware and software requirements to view the disclosures.
    • A personal computer or other device capable of accessing the internet
    • A web browser which support 128-bit SSL encrypted communications
    • Software that permits you to receive and access Portable Document Format (PDF) files, such as Adobe Acrobat Reader version 5.1 or higher (available for downloading at: http://www.adobe.com/products/acrobat/readstep2.html ).

Polish National Credit Union Contact Information:

Polish National Credit Union

Online Account Opening

P.O. Box 327

Chicopee, MA 01021

Account Agreements and Disclosures


Clicking below constitutes my having read and my agreement to conform to the terms and conditions of the disclosures provided to me on with this application. I may also obtain a copy of these disclosures at any branch office or by emailing onlineacctopening@pncu.com. I authorize you to gather and exchange whatever credit, checking account and employment information you consider appropriate from time to time and understand you may make credit or other decisions based in part on this information.

Links to Applicable Disclosures

Free Statement Savings Account Truth-in-Savings Disclosure

Free Schedule

Terms and Conditions

Privacy Notice

E-Sign Disclosure

I, meaning any and all who are applying for primary or joint ownership of this account, understand that my account will be governed by the terms and conditions contained in the disclosures displayed above which I have read.

Please review each of the disclosures above. Clicking the “Accept” button below constitutes: that I agree to these terms and conditions that I agree with the additional certifications contained above. Further, my clicking the “Accept” button constitutes, as is as legally binding, as, my signature. If I do not agree to the above I will click the “Decline” button.