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

Feel Confident with IDProtect®

IDProtect6 includes:

  • Identity Theft Expense  Reimbursement Coverage7
    Receive up to $10,000 to help pay expenses, clear your name and help recover your identity, should you become the victim of identity theft.
  • Comprehensive Identity Theft Resolution Services
    Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.
  • Debit and Credit Card Registration
    Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration/activation required.)
  • 3-in-1 Credit File Monitoring8
    IDProtect will monitor your Equifax®, Experian® and TransUnion® credit files daily, and alert you if key changes occur (Registration/activation required.)
  • 3-in-1 Credit Report
    Request an updated credit report every 90 days or upon receipt of credit alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different type of credit score to assess your creditworthiness (Registration/activation required.)
  • Total Identity Monitoring
    Monitoring of over 1,000 databases (Registration/activation required.)
  • Online Identity Theft News Center and Valuable Phone and Web Resources  (Registration/activation required.)
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.
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 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. 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 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.
7 Special Insurance Program Notes: The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage.
8 Credit file monitoring from Experian and TransUnion will take several days to begin following activation. Insurance Products are not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate and are not insured by the NCUA or Any Federal Government Agency. Insurance Products are not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate and are not insured by the NCUA or Any Federal Government Agency.
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Important Notice: Our Exchange Street branch will be permanently closed on Thursday, February 6, 2020. Learn more.