Pawtucket Credit Union checking accounts offer surcharge-free ATM access via the RI Credit Union Connection.

Features/Benefits Simple Spectrum Direct Plus Debit Card
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 w/Fraud Alerts Yes Yes Yes Yes
Free Foreign ATMs1 None 10/month Unlimited Unlimited
Point Of Sale Transactions Unlimited Unlimited Unlimited Unlimited: minimum of 12 non-ATM debit card transactions per month required
e-Statement Optional Optional Optional Required
Free Online Banking & BillPay Yes Yes Yes Yes
Monthly Service Charge $4.95 None, or $12 if minimum balance not maintained None, or $10 if direct deposit not maintained None, or $10 if 12 non-ATM debit card transactions per month not posted
Direct Deposit Required No No Yes No

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.)

All PCU debit/ATM cards now have an imbedded microchip which adds an extra layer of security when used at chip reading terminals.

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: 833-809-9971.


Convenient ATM Access At All Branch Locations

As a member of the Rhode Island Credit Union ATM Network, fee-free withdrawals are available at participating credit unions throughout the state.

Find Pawtucket Credit Union ATMs

Branch & ATM Locations

Locate Surcharge-free Foreign ATMs

Credit Union Connection Network

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 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
  • Interest only 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 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

To download our Service Fees Schedule PDF file, No PDF file exists personal-service-fees..

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