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Privacy & Security
Overview Identity Theft Online Security Fraud
  • Use ATMs that are in well-lit areas.

  • Observe your surroundings. Be aware of anything suspicious. When in doubt, leave the area.

  • Do not open locked ATM vestibule doors for others, or allow any unknown persons to enter the ATM area while you are making your transaction. Authorized customers should have their own access.

  • Upon entering or exiting an ATM, be sure to close the door completely.

  • Have your card in hand when approaching the ATM.

  • Avoid counting cash while at the ATM. Put away your card and cash after completing your transaction.

  • Stand directly in front of the ATM during a transacton. Shield the keypad with your hand or body when entering your PIN.
  • Sign the back of your card immediately upon receipt.

  • Remember your PIN. Do not write it on your card.

  • Be cautious of who you're giving your card number to. Unless you have initiated the call, never provide your card information over the phone.

  • Check your receipts and statements.

  • Keep a list of your credit card numbers and the numbers to call if your card is lost or stolen. Keep them in a separate and secure place.
  • Verify who the person you're speaking with is before sharing personal information such as your Social Security Number and bank or credit card account information over the telephone, in person or on the Internet.

  • Do not carry Social Security cards, passports or birth certificates with you unless they are needed that day.

  • Monitor bills and bank statements frequently, and immediately report anything suspicious.

  • Receive your account statements electronically.

  • Safely store cancelled checks, new checks and account statements.

  • Pawtucket Credit Union will never initiate an email request asking for your online ID or password.

  • Personal Identification Number (PIN), Social Security, driver's license or credit card account numbers should not be written on checks, or on your ATM, credit card or debit card.

  • Tear or shred pre-approved credit offers, receipts (including ATM receipts) and other information that could link your name to your account numbers.

  • Check your credit report periodically and be sure all information is up to date and accurate.

  • Treat your mail carefully. You should never use an unsecured mailbox for mailing materials containing sensitive information. Mail these pieces at the post office.

Mail Returns and Address Change Requests

If mail is returned to us due to an incorrect address, or if an address change is requested, we always confirm the identity of the person making the request to correct or change the address. Once a positive confirmation has been made, we will then and only then, release mail or complete a change of address request.

Credit Report Fraud Alerts

If a fraud alert is included on a member's credit report indicating that identity theft has previously occurred, or a member wants extra measures taken to verify their identity when an account or loan is opened:

  • We will call the number that is included with the fraud alert to confirm the authenticity of the new account/loan request.

  • We may require additional identification to be presented in order to positively identify the applicant.

  • We will also review these reports for possible identity theft indicators such as activity that is not consistent with the person’s history.

    I.D. Verification

    I.D. verification software is used when a new account is opened. This software enables us to confirm that the information presented by the applicant matches information contained in the I.D. verification database.

    Photo Documentation Alterations

    Photo documentation presented to us is carefully reviewed for alterations to ensure its validity and that it matches the person presenting it.

    Error Resolutions

    When notified of an error or unauthorized charge regarding electronic transmissions, we follow specific timeframes in which the matter will be resolved.

Pawtucket Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, do not provide it. Official credit union staff will have access to your information and will not need to ask for it.

  • Protect your account numbers, credit and debit card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.

  • Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

  • Be wary of offers that mention Pawtucket Credit Union but do not contain our logo or address. Although our name is mentioned, these companies are probably not affiliated with PCU. Please report anything suspicious to our Security Officer so that we may take action if necessary.


Our Privacy Notice is available in PDF format.

You will need Adobe's free Acrobat Reader Software to view the file.

To download our Privacy Notice PDF file, click here.

To get Adobe's free Acrobat Reader Software, click on the link below:

Acrobat Reader


Product Specials
ncua Your savings federally insured to at least $250,000 and backed by
the full faith and credit of the United States Government. National
Credit Union Administration, a U.S. Government Agency.
© 2012 Pawtucket Credit Union, 1200 Central Avenue, Pawtucket, Rhode Island 02861
Pawtucket Credit Union is an Affirmative Action / Equal Opportunity Employer.
401-722-2212 or 800-298-2212 equal housing logoEqual Housing Lender. Equal Opportunity Lender.