Let us help you connect with your accounts and manage your money with a range of services.
Online Banking
Connect with your money, 24 hours a day, 7 days a week, using your computer, smartphone device or any other device with Internet access. With Online Banking you can:
- View up-to-the-minute account balances and transactions.
- Transfer funds between your accounts.
- See what checks have cleared.
- Pay bills using Bill Pay or send/ request payments using Popmoney®.
- Arrange to have recurring payments, such as your rent or mortgage made automatically.
- Set account alerts to help you monitor your account more easily.
Not registered for online banking? No worries. Registration is easy and can be done right here.
Mobile Banking
The power to manage your money is in the palm of your hands. Download the PNCU Mobile App to your smartphone device and experience the convenience of banking anytime, anywhere…. check balances, transfer funds, pay bills and more!
Plus, deposit checks easily and securely with Mobile Deposit. Deposit checks into your Polish National Credit Union checking or savings account 24/7 without having to leave the comfort of your home or business.
Simply tap, snap and deposit!
- Login to online banking through the PNCU Mobile App.
- In the top right corner, click on the icon to open more options.
- Select “Deposit A Check” and follow the prompts.
MasterMoney™ Debit Card
Enjoy a secure and convenient way to make purchases worldwide – at millions of merchants that display the Mastercard,® Cirrus®, or Plus® logos. With a Mastermoney Debit Card, 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 PNCU 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
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.
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 Public services 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. They are available at all branch locations.
- Safe Deposit Box Rentals are available in Granby, Wilbraham and at the Main Office.
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.
Coin Machine
Aren’t you curious to see what you might get for all those coins you have lying around? Coin counting is available and free to members at the following branches:
Main Office
46 Main Street, Chicopee, MA 01020
Wilbraham Office
2002 Boston Road, Wilbraham, MA 01095
Southampton Office
32 College Highway, Southampton, MA 01073
There is a 5% charge for non-members.
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*.
Simply…
- Complete and sign the Skip A Pay request form.
- Return or mail the form to any PNCU branch 10 days prior to your payment due date.
- 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.
To Use PopMoney®:
- Login to online banking through a web browser or the PNCU Mobile App. Not registered for online banking? No worries. Registration is easy and can be done right here.
- Select “Pay My Bills” and then “Popmoney.”
- Follow the prompts to either send or request money by using an email address, mobile number or bank account information.
FAQ’s:
PopMoney is an innovative payment service that eliminates the hassle of checks and cash. Simply, send money by logging into your existing online banking account through a web browser or the PNCU Mobile App, provide an email address, mobile number or bank account information of an intended recipient and hit “send payment.” You will be notified when the transaction is completed.
- Send money to your child at college
- Send a gift to family and friends
- Pay back friends for that fun outing
- Pay your babysitter or lawn care service
- Pay rent to your landlord or roomates
- Split the cost of groceries or dinner
- Request payment from someone
Email Address:
Your contact will receive an email with instructions on how to direct the payment to his or her bank account.
Mobile Number:
A text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her bank account. If the recipient does not respond to the payment notification after 3 days, a reminder text message will be sent on your behalf to the recipient reminding them to act on the payment notification. If the recipient does not respond after 10 days, the payment will be returned.
Bank Account Information (routing and account number):
The money will be directly deposited into your contact’s bank account. You will also have the option to send the contact an email.
No. Your bank account information will not be shared with the recipient. The recipient will see your first name, last name and the message you wrote for the payment; if you send the payment to your contact’s email address, the recipient will also see your email address. Similarly, you won’t be able to see your sender’s bank information.
If you are sending a payment to someone who has provided their bank account information or has previously used PopMoney® with Automatic Deposit, they will receive the money within 3 business days.
If you are sending a payment via email or mobile number and the recipient has not used PopMoney® with Automatic Deposit, the recipient must provide their bank account information. Once provided, the payment will be sent to the recipients bank account within 3 business days.
Yes. For your protection, limits have been created on how much money and how many payments can be sent during various time periods. Click on the icon next the “Amounts” field to view your available limits.
At PNCU, we think sending your money should be free. So, we’ve waived the fee for all members.
Yes. You may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.
Similarly, you can edit a payment anytime before or on the send date.
There are two ways to add a contact:
- You can start typing a name, email address or mobile number in the “To:” field. If it does not exist in your contact list, an “Add Contact” window will pop up. Complete the remaining information and click “Add.”
- Click on the “Contacts” tab and click “Add Contact.” Enter the required fields and click “Save.”
If you are expecting a payment and you do not see it in your “Incoming Payments,” this is most likely because you have not added the email address or mobile number to which the payment was sent. Have you added this email address or mobile number? If not, go to “Preferences” to add and verify your information. Once you are done, you will be able to see the payment immediately.
Automatic Deposit is the easiest and fastest way to receive money. It allows you to designate one account into which payments will be automatically deposited. Once turned on, there is nothing more for you to do- you will be notified of incoming payments via email or text message. You can turn Automatic Deposit on or off through “Preferences.”
Relationships Built to Last
For more information about accounts and services, find a branch nearest you, use our Contact Form, or call us at (413) 592-9495.