Checking Page

Checking Accounts

Banking should be simple, not more complicated. So, we offer a variety of Checking Accounts that give you what you need- like more value, more convenience, and more ways to get rewarded for your relationship with us so you can spend time doing the things you love.

Perks Checking

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

  • An attractive interest rate on balances up to $10,000
  • Earn up to $20 back each month
    • ATM surcharge rebate of up to $10 per month1
    • Each time you swipe your PNCU free Debit Mastercard®, you earn 10¢ up to $10 per month2
  • eStatements3, bill pay, online and mobile banking4
  • Mobile deposit capture
  • Apple Pay®, Samsung Pay & Google Pay3
  • $350 off mortgage fees5
  • One free domestic wire transfer per year
  • When you open a Perks Checking Account, you become eligible to open a Perks Savings Account
Cost Less N.O.W. Account

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


Teen N.O.W. Account

An interest-bearing account for those just starting out with no fees, no service charges, and no minimum balances!


Relationships Built to Last

For more information about accounts and services, find a branch nearest youuse our Contact Form, or call us at (413) 592-9495.

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. To qualify for a PNCU Perks Checking account, at least one Direct Deposit to or automatic ACH transaction from a PNCU Perks Checking account is required per statement cycle. If the PNCU Perks Checking account does not meet the monthly qualifications within three (3) consecutive statement cycles the account will be converted to a Cost Less NOW account.

1. ATM fees imposed to your Perks Checking Account by ATMs within the U.S. will be refunded up to $10.00 per statement cycle. Accounts will be credited the last day of the statement cycle for qualified transactions.

2. Each Polish National Credit Union Mastercard® Debit Card POS transaction (excludes ATM transactions) posted to the account during the Perks Period will earn $0.10, up to a maximum of $10.00. A minimum of fifteen (15) Polish National Credit Union Mastercard® Debit Card POS transactions must have been made during the Perks Period to qualify. The Perks Period is the period during which the qualification requirements must be met and begins on the day your current periodic statement is generated and generally ends on the last business day before the next statement is generated. Qualified transactions must post and clear to the account during the Perks Period. Transactions may take one or more business days from the date the transaction was made to post and clear the account. Accounts will be credited the last day of the statement cycle for qualified transactions

3. If paper statements are required, a $5.00 fee will be assessed each month.

4. Your wireless carrier may assess fees for data, text messaging, or web services, check with your wireless carrier for details. Apple Pay is a trademark of Apple, Inc., registered in the U.S. and other countries.

5. $350 off the closing costs of any new purchase first mortgage or new money refinanced mortgage with an Automatic Payment from a Perks Checking Account (excluded from this offer: Home Equity Loans, Home Equity Lines, First Time Home Buyer programs and refinancing of existing PNCU mortgages). Loans to be secured by owner occupied homes only. To qualify for the closing cost credit, both the Perks Checking Account and the authorization for Automatic Payments must be arranged prior to closing. It is the responsibility of the borrower to verify that these requirements have been met prior to loan closing. Closing cost credit will be applied as lender credit at loan closing. Only one discount per member. No discount will be given after the loan has closed. This offer can change without prior notice and cannot be combined with any other offer. Other restrictions may apply.