Checking

Checking and Rewards Programs

Free Checking just got better!  Our better than free Rewards Checking program allows you the opportunity to earn cash in your PVCU Checking Account and get ATM Fee Rebates.  Earning rewards is simple just use your PVCU Checking Account regularly and get paid either cash or interest.  You can either keep the cash for yourself or give it to a local charity.  Our Rewards Checking Program offers you great choices, excellent benefits and more of what you want on your terms.  Get paid cash now!

Cash Back Rewards Checking

We know what really counts to you is cash!

What you Earn
A $.10 cash reward will be paid on each PIN/Signature Debit Card transaction in the amount of $10 or more. 

ATM Fee Rebates
There will be no charge from PVCU for using foreign ATMs.  Get ATM Rebates of foreign ATM fees with the PVCU Cash Back Checking Rewards Account of up to $10 as long as the rewards criteria are met.

How to Qualify for Cash Back Rewards Checking:

  • A minimum of 12 PIN/Signature Debit Card Point of Sale transactions (in any amount) must post to the account during the Reward Period.*  ATM transactions do not count for required transactions to receive cash rewards.
  • eStatement is required (Online Banking is needed to view eStatements)
  • One Direct Deposit is required (an automatic withdrawal will be accepted if direct deposit is unavailable)

Your Complete Cash Rewards Checking Package Includes:

  • Free Checks for Life
  • Free Online Banking Apply Now!
  • Free Online Bill Pay
  • Free eStatement Apply Now!
  • Free View of your Processed Checks Online
  • No Minimum Balance Requirements
  • No Monthly Fees
  • 24 Hour Phone-A-Teller Transactions 413-746-0103
  • Simple Online Check Reorder
  • Overdraft Line of Credit > Apply Now!
  • Merit Privilege Pay
  • Switch TODAY!

Open a Cash Rewards Checking Account Today!

*Reward Period
The reward period is the last business day of the previous month through the day before the last business day of the current month.

Click here for the Cash Rewards Checking Account Disclosure

Investor Rewards Checking

Are you looking to earn a higher rate of interest on your money?  Our Investor Rewards Checking helps you to put your money to work so that you can earn more interest. 

What you Earn
A premium interest rate of 1.30% APY** will be paid on balances up to $25,000. Balances over $25,000 will earn .30% APY**.

ATM Fee Rebates
There will be no charge from PVCU for using foreign ATMs. Get ATM Rebates of foreign ATM fees with the PVCU Investor Checking Rewards Account of up to $25 as long as the rewards criteria are met.

How to Qualify for Investor Rewards Checking

  • A minimum of 12 PIN/Signature Debit Card Point of Sale transactions (in any amount) must post to the account during the Reward Period.*  ATM transactions do not count for required transactions to receive cash rewards.
  • eStatement is required (Online Banking is needed to view eStatements)
  • One Direct Deposit is required (an automatic withdrawal will be accepted if direct deposit is unavailable)

Your Complete Investor Rewards Checking Package Includes:

  • Free Checks for Life
  • Free Online Banking Apply Now!
  • Free Online Bill Pay
  • Free eStatement Apply Now!
  • Free View of your Processed Checks Online
  • No Minimum Balance Requirements
  • No Monthly Fees
  • 24 Hour Phone-A-Teller Transactions 413-746-0103
  • Simple Online Check Reorder
  • Overdraft Line of Credit > Apply Now!
  • Merit Privilege Pay
  • Switch TODAY!

 

Open an Investor Rewards Checking Account Today!

*Reward Period
The reward period is the last business day of the previous month through the day before the last business day of the current month.
**APY is Annual Percentage Yield

Click here for the Investor Rewards Checking Account Disclosure

The "Pioneer Package" Free Checking Account

The Pioneer Package is our classic Free Checking Account which includes:

  • Free Checks for Life
  • Free Online Banking Apply Now!
  • Free Online Bill Pay
  • Free eStatement Apply Now!
  • Free View of your Processed Checks Online
  • No Minimum Balance Requirements
  • No Monthly Fees
  • 24 Hour Phone-A-Teller Transactions 413-746-0103
  • Simple Online Check Reorder
  • Overdraft Line of Credit > Apply Now!
  • Merit Privilege Pay
  • Switch TODAY!

Open a "Pioneer Package" Checking Account Today!

Click here for the Pioneer Package Checking Account Disclosure

Business Checking

Our Business Checking Accounts are free, simple and convenient. We help you to make your organization operate with ease.

Your Complete Business Checking Package Includes:

  • No Monthly Service Fees
  • No Minimum Balance Requirements
  • No Transaction or Check Processing Fees 
  • Free First Order of Checks

 

 

Life happens fast and your Checking Account can be affected when it does. Protect your Checking Account from embarrassing situations by being covered with our Overdraft Protection options. 

Overdraft Protection Options

Overdraft Line of Credit

Overdraft Line of Credit automatically funds your Checking Account to help you avoid costly overdraft charges and the embarrassment of having a check bounce or a debit card transaction declined. The Overdraft Line of Credit is a loan you must apply and qualify for based on credit worthiness which funds your Checking Account as needed. There is no charge for this service if you do not use it. Borrow up to $3,500 to have for those just in case moments. Click here to view rates and to apply for the Overdraft Line of Credit. Once you click to apply, select the Personal Loan option, then select the Other option and in the purpose section of the application put Overdraft Protection. 

Automatic Transfer

Your Checking Account can be set up to automatically transfer funds from your Primary Savings Account to your Checking Account in the event there is not enough money to cover a transaction. The cost for this service is $5.00 for each transfer. There is no charge for this service if you do not use it. 

Merit Pay 

Merit Pay covers overdrafts from checks, ATM withdrawals, electronic transfers and debit/check card transactions for up to $1000.00 for a $29.00 fee for each overdraft. Automatic enrollment is available for this service on Checking Accounts which are in good standing and have been open for at least 90 days. In the event you do not have any other form of Overdraft Protection on your account Merit Pay is automatically activated when a check, EFT or automatic transaction attempts to clear the account and will cover the item. Members must Opt In to receive coverage on ATM and debit card transactions with Merit Pay. If you do not Opt In to receive Merit Pay we will not be able to cover mishaps which may occur at the store, gas station, ATM or anywhere else you may swipe your MasterCard Debit Card. Merit Pay can be set up to be activated only once all other means of Overdraft Protection has been exhausted upon request. Click here for more details and to apply to Opt In for Merit Pay coverage.  There is no charge for this service if you do not use it.