Common Questions:
What can we help you with today?
If you suspect fraud on your account, the first step would be to contact your local branch or the Member Service Center at 800.498.8930.
If you suspect identity theft, please visit IdentityTheft.gov which can help you report and recover from identity theft.
For up to date and accurate information on Identity Theft and Consumer Protection please visit https://www.ftc.gov/
Our Bristol, Newport, North Kingstown and Middletown branches have coin machines that are available free to our members.
To make a payment on your People’s Credit Union loan, you can set up a transfer from your Credit Union checking or savings account. In addition, you now have the ability to transfer your People’s Credit Union loan payment using the Bill Pay module. Loan payments made through the Bill Pay module will be processed immediately. To make a transfer payment from your People’s Credit Union checking or savings account through the Bill Pay module, select the Bill Pay option in the top banner, choose the “Make a Loan Payment” tab and follow the instructions on the screen to complete the transfer payment. To set up recurring payments, you would select the “Recurring” option from the “Scheduling Option” toolbar.
ACH stands for Automated Clearing House, a U.S. financial network used for electronic payments and money transfers. Also known as “direct payments,” ACH payments are a way to transfer money from one bank account to another without using paper checks, credit card networks, wire transfers, or cash.
Approved deposits made on a business day that we are open (Monday through Friday excluding state or federal holidays) before 4pm will post to your account by 9pm.
Within the PCU mobile app, you would select the “Deposit a Check” option. Once you have read the notices, you would select an account to which the check would be deposited and input the check amount. You would then take a picture of the front and back of the check in a well-lit environment, ideally with a dark background, as directed on the screen. The check must include “Mobile Deposit to PCU” under the endorsement to be accepted for deposit.
Once submitted, you will receive an email indicating that the check was received. Please retain the check for 30 days. Mobile deposited checks are manually reviewed and may be rejected upon review. If rejected, you will receive an email with the reason the deposit was not successful.
Once you have received your debit card in the mail, you would call the phone number provided on the sticker of the card and follow the prompts to activate. You should call from a phone number associated with your information that we have on file.
The fees associated with certain transactions can be found on our Fee Schedule page.
If you are sending funds to an account the payee has with People’s Credit Union, you can select the “Add an account to make a transfer or payment” option from the “Transfers” tab within your online banking ™ profile. You would then select “Send money to another People’s Credit Union member”, where you can enter the recipient’s name along with their account number, phone number on file, or email on file. After a payee is added, the payee will receive funds from a transfer instantly once the “Submit” button is selected and the transaction cannot be canceled or stopped.
If you are sending funds to an account the payee has at a different financial institution, you can utilize the P2P service within Bill Pay for this purpose. This can be accessed from your online banking ™ profile by selecting “Add Payee” within the “Bill Pay” menu option and selecting the option to pay a person. You can choose to pay the recipient using their account and routing numbers, email address, or phone number. For email or phone payments, the recipient would receive a link to input their information and receive the payment. Please note P2P transfers can take a few business days to complete.
If you are an existing member, you can open an additional deposit account through your online banking profile. Once you log in navigate to the Open an Account tab and follow the flow to complete the account opening process. Your new account can be funded with either an existing People’s Account or a linked external account.
