Debit MasterCard®

Enjoy a secure and convenient way to make purchases worldwide – at millions of merchants that display the MasterCard®, Cirrus®, or Plus® logos. With a Debit MasterCard®, you can enjoy great benefits including:

  • Funds are deducted right from your checking account each time you make a purchase
  • Fast cash. You can also use your card to get cash – free from surcharges – at PNCU ATMs as well as any non-PNCU ATM that displays the SUM® or MoneyPass® logo.1 With Perks Checking, you can get an additional $10 in monthly ATM rebates if other banks charge you for use of their ATMs.2
  • Instant card replacement. If you have a lost, stolen, or damaged card, we can replace it immediately at any PNCU branch.

How to avoid ATM Surcharges

Click for SUM locations.SUM ATM®
As a member of the SUM Network, our members can avoid ATM Surcharges by looking for the SUM logo. Click here to find a participating  ATM near you.

Click for MoneyPass locations.MoneyPass®
Tens of thousands of surcharge-free ATMs coast to coast.
Click here to find a MoneyPass ATM.

Branch Services

The following services are provided at our branch locations:

  • Free Notary Services and Medallion Guarantee Signature for members are available at all offices.
  • Money Orders are provided to our members at a nominal fee at all branch locations.
  • Treasurers Checks are provided to our members when withdrawing funds from a Polish National Credit Union account.
  • Safe Deposit Box Rentals are available in Granby, Wilbraham and at the Main Office.
  • Night Drop Boxes are available in Granby, Wilbraham, Front Street and at the Main Office.
  • Coin Counting machines are available and free to members at our Main Office, Granby, Wilbraham, Southampton and E. Longmeadow branches*.

*There is a 5% charge for non-members.

Account Services

Overdraft Protection
Overdraft Protection is a courtesy program that pays items presented to a member’s account when sufficient funds are not present to cover the amount of the withdrawal. Have peace of mind knowing your card will not be declined.

24/7 Telephone Banking
Dial our toll-free number 888-592-PNCU(7628) and follow the menu prompts to 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.

Skip A Pay

Whether your wallet needs a break from holiday shopping or you need extra funds for summer vacation, PNCU allows you to skip a payment on your consumer loan account for a small fee*.


  1. Complete and sign the Skip A Pay request form.
  2. Return or mail the form to any PNCU branch 10 days prior to your payment due date.
  3. Relax, knowing there’s a little extra money in your pocket.
Please note: To request Skip A Pay on your Polish National Credit Union consumer loan account, please complete, sign and return the request form to a PNCU branch at least 10 days prior to the due date of the payment to be skipped. Be sure to indicate the month you would like to skip. If your request is approved, the $35.00 Skip A Pay service fee will be withdrawn from the PNCU deposit account noted on the request form.
*The following loans types are eligible for this program: Vehicle Loans and Personal Loans. The following loan types are not eligible for this program: Home Equity Loans, Home Equity Line of Credit, Mortgages, Certificate of Deposit Loans, Mass Save Loans, Overdraft Loans, Business Loans and Visa Credit Cards. Member(s) must be in good standing with this loan account and all other PNCU loans, as applicable (less than 15 days past due in the past 6 months) to participate in PNCU’s Skip A Pay program. This program is not available during the first six months of the loan term. Loans are limited to a maximum of one (1) Skip A Pay every six (6) months, two (2) per calendar year up to a maximum of six (6) loans per term. There is a $35.00 service fee per payment skipped. Other restrictions may apply.

Medallion Stamp

What is Medallion Signature Guarantee?

It confirms your identity, signature and legal authority to transfer securities and investments.

Is there a difference between a Medallion Signature Guarantee and Notarized document?

Yes. Document notarization ensures that a signature is genuine or that a document is properly endorsed (used for negotiable items such as checks or U.S. Treasury Bond forms). A Medallion Signature Guarantee is needed when transferring large securities.

Common reasons for needing a Medallion Signature Guarantee:

  • Moving securities to a new account (for example transferring a 401(k) after switching jobs)
  • Giving securities as a gift (such as transferring shares of stock to a child or donating them to a nonprofit)
  • The owner of the securities has died and ownership needs to transfer to a court-appointed representative

A medallion signature guarantee must be completed in person because it confirms your identity, signature and legal authority to transfer securities. In order to protect your assets, certain documentation is required to approve medallion requests. An appointment is required. This service is for members only.

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.