• Overview

    Pawtucket Credit Union checking accounts offer surcharge-free ATM access throughout the U.S. via the SumSM Program, and the RI Credit Union Connection.

    Features/Benefits Simple Spectrum Debit Card Direct Plus
    Open Online Open Now Open Now Open Now Open Now
    Interest-Bearing No No Yes Yes
    Free Unlimited Check Writing Yes Yes Yes Yes
    Free Checks Free first order of basic checks Free first order of PCU design checks and 1 order per year thereafter Free first order of PCU design checks and 1 order per year thereafter Free first order of PCU design checks and 1 order per year thereafter
    Minimum Balance None $1,000 average daily balance in checking or $5,000 average daily balance in any combination of PCU deposit, loan and/or mortgage accounts None None
    Free ATM/Debit Card Yes Yes Yes Yes
    Free Foreign ATMs1 None 10/month Unlimited Unlimited
    Point Of Sale Transactions Unlimited Unlimited Unlimited: minimum of 12 non-ATM debit card transactions/month required Unlimited
    e-Statement Optional Optional Required Optional
    Free Online Banking & BillPay Yes Yes Yes Yes
    Free Travelers Checks Yes Yes Yes Yes
    Monthly Service Charge $4.95 None, or $12 if minimum balance not maintained None, or $10 if 12 non-ATM debit card transactions/month not posted None, or $10 if direct deposit not maintained
    Direct Deposit Required No No No Yes
  • Debit/ATM Card

    Debit/ATM Card

    For those of us who would rather not write checks in check-out lines, our Visa® Check Card represents a welcome alternative indeed.

    It works just like cash (as long as your current account balance covers your purchase, you’re approved.)

    Beginning in October 2015, members will begin to receive new EMV cards. These new cards carry an embedded chip which adds an extra layer of security when used at a chip card reader.

    For more information, please read the following EMV Debit/ATM Card FAQs.


    EMV Debit / ATM Card FAQs

    What is EMV?

    EMV is short for European Mastercard / Visa. It indicates that the debit / ATM card has a microchip embedded in it to make your transactions more secure when used at a merchant with chip reader terminals.

    PCU Visa Debit Card Microchip

    How do I use it?

    If the merchant has chip reader terminals, you insert your card with the chip facing up, leave the card in the terminal and follow the screen prompts to complete your purchase. If a signature is required, simply sign. Remember to remove your card once the receipt has been printed. If the merchant does not have chip reader terminals, you swipe your card the same way you always have.

    Will my new EMV card still work at ATMs?

    Yes, your new card will work exactly the same way as your current / old one and will have the same PIN number.


    Verified by Visa

    Take the Pawtucket Credit Union Visa® Check Card you already use, add a password to confirm online purchases, and you’ve got Verified by Visa®, the service that helps to ensure that only you can use your card online. Visa® always protects you against unauthorized purchases. But with Verified by Visa®, you can help prevent unauthorized purchases before they even happen.

    For more information click on the Verified by Visa® logo. Even better, this blazing speed comes with all the accountability you’re looking for. All Visa® Check Card purchases are listed on your monthly checking account statement. And, since Visa® is welcomed practically everywhere, you are too – at more than twelve million locations at last count.

    Your Visa® Check Card is also an ATM card, pulling double duty all over the world. In fact, it’s good for cash anytime you see SUM, Cirrus Plus, NYCE or Visa on a nearby ATM, enabling you to withdraw up to $500, balance permitting, within any 24-hour period.


    To report a lost or stolen Visa® Check Card please call: 800-528-2273.

     

  • ATM Access

    Convenient ATM Access At All Branch Locations

    We’re part of the SUMSM network which provides widespread surcharge-free foreign ATM access. Better still, as a member of the Rhode Island Credit Union ATM Network, fee-free withdrawals are also available at participating credit unions throughout the state.


    Find Pawtucket Credit Union ATMs

    Branch & ATM Locations


    Locate Surcharge-free Foreign ATMs

    SUM ATM NetworkCredit Union Connection Network

  • Check Re-order

    Check Re-orders

    Online check re-orders are currently unavailable. Please contact the Call Center at (401) 722-2212 or (800) 298-2212, option 7, or visit any branch office for assistance. To ensure the accuracy of your information, please have your check re-order slip available.

    We apologize for any inconvenience this may cause.

    Thank you
  • Overdraft Protection

    Overdraft protection helps prevent your checks from being returned or your debit card from being declined in the event you don’t have sufficient funds in your account to cover your purchase.  It  also provides additional ATM funds and helps you avoid merchants’ bounced check fees.

    Overdraft Privilege

    • $600 of available coverage
    • Account qualified based on transaction history
    • No monthly or annual fees
    • Per item fee only if you overdraw your account
    • Fees vary based on the type and amount of overdraft

    Overdraft Line of Credit

    • Apply as you would for a loan
    • Low annual fee + interest on outstanding balances
    • Revolving line – use it, pay it off, use it again
    • Coverage of $500 or higher based on qualifications

    Link to Savings Account

    • Automatically transfer funds from your savings account
    • No monthly or annual fees
    • Per transfer fee only if you overdraw your account
  • 24 Hr TellerPhone

    24 Hour TellerPhone

    We understand that banking doesn’t always wait for “normal business hours.” That’s why our TellerPhone enables you to access account information – current and available balances, cleared checks, deposits, withdrawals, and ACH transaction history; transfer funds, make loan payments, get current rates, and more, anytime – day or night.

    How it works
    1. Call 401-725-8436 or 800-966-3620
    2. Choose from the menu of options for accessing your account information.
  • Service Fees

    Service Fees

    To download our Service Fees Schedule PDF file, click here.

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