FAQs

You can view your account balance/s by signing into your online banking profile through our website or through the PCU mobile app. To view account activity, click on the desired account to view recent activity. You can filter by date range to see previous activity.

To access your full account number from your online banking profile on the full desktop site, you would log in and click the desired account from the landing page. Once you are able to view that account’s activity, you would click the eye icon near the last four of the account number. The full account number will then be displayed. To access your full account number from the mobile app, you would log in and click the desired account from the landing page. Once you are able to view that account’s activity, you would click the “Account Details” tab and then click the eye icon near the last four of the account number. The full account number would then be displayed.

To access your statements online for downloading or printing, you would sign into your online banking profile on a desktop or laptop to access the full site. Once logged in, you would navigate to the “Accounts” header and select “Statements & eDocuments”. Once on that page, you would select the desired account and follow the prompts to enroll in estatements or to view your statement if previously enrolled.

• A Limited Liability Company Or LLC is a legal entity formed at the state level. An LLC exists separately from its owners—known as members. However, members are not personally responsible for business debts and liabilities. Instead, the LLC is responsible.
• A Sole Proprietorship is an unincorporated business owned and run by one person. This option is the simplest, no muss, no fuss structure out there. You are entitled to all the profits of the business. However, unlike an LLC, you are also responsible for all of the liability.
• A Corporation is a company that is related to larger businesses and entities. There is no single owner, the shareholders are the owners.
• A Company is a business related to a small business or entity. The owners of a company are its members.

The documents required to open a business account vary based on the type of business entity:

• Limited Liability Corporation or LLC
  • Articles of Incorporation
  • Department of Revenue IRS Employer Identification Number (EIN) form
  • Driver’s License (Valid)

• Sole Proprietorship
  • Department of Revenue IRS Employer Identification Number (EIN) form or your social security card if you would like the business to be under your social and not reported as a separate entity.
  • Driver’s License (Valid)
  • Trade Name Certificate – You can apply and get this form at the town hall where you reside/or business.

• Corporation
  • Partnership Agreement for the name of the business and its partners
  • Article of Incorporation
  • Driver’s License (Valid)
  • Department of Revenue IRS Employer Identification Number (EIN) form

• Company
  • Article of Incorporation
  • Driver’s License (Valid)
  • Department of Revenue IRS Employer Identification Number (EIN) form

A Trade Name Certificate is required for the purpose of identifying those individuals doing business in a required state. All businesses are required by Rhode Island State Law to register their trade name in the Town Clerk’s Office. Forms are available at the town hall during regular business hours.

No. A business can be a beneficiary of a trust, but not a trust itself because it is a separate entity.

Typically, the Mortgage process takes from 45 to 60 days for purchase and refinance loans.  The closing date on a purchase transaction is dictated by the purchase and sale agreement.