Services Page

Personal Services

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 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 to virtually anyone.
  • Arrange to have recurring payments, such as your rent or mortgage made automatically.
  • Set account alerts to help you monitor your account more easily.
    And more

Mobile Banking

Put the power to manage your money in your hands any time with Mobile Banking. You can do all your routine banking – check balances, transfer funds, pay bills.

Plus deposit checks easily and securely with free Mobile Deposit Capture.

With Mobile Deposit you can conveniently deposit checks directly into your Polish National Credit Union savings or checking account, without going into a branch, and by simply taking a picture of a check using your smartphone. Mobile Deposit is available to both personal and business customers of the Credit Union.

Available on the App StoreGet it on Google Play

Click here to read these top 10 mobile security tips to help you reduce the risk of exposure to mobile security threats!

MasterMoney™ Debit Card

Enjoy a secure and convenient way to make purchases worldwide – at millions of merchants worldwide 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 PCU 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
  • With MasterCard’s free SecureCodeTM, you get an added level of security when making purchases.
  • Instant card replacement. If you have a lost, stolen, or damaged card, we can replace it immediately at any PNCU branch.


With a PNCU ATM Card, you can get cash any time at any ATMs with the Mastercard, Cirrus, or Plus logos.

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 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 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.

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.

Repay a friend, pay rent, or split the cost of dinner in less than a minute with Popmoney®. Popmoney® allows members to send and receive payments through their existing online banking account by providing an email address or phone number.

Key Benefits:

  • Enables members to send or request payments directly from their online or mobile banking
  • No fee
  • Next day transfer
  • Delivers a seamless experience through integration with other online and mobile banking solutions
  • Creates a new revenue source for your needs

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.

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