PCU Blue Rewards Special

Earn 1,500 bonus points with your NEW Blue Rewards Visa!

Spend $1,000 with your Blue Rewards Credit Card in the first 60 days of opening and PCU will give you 1,500 bonus points.
These points can be used toward valuable merchandise and travel expenses.

Blue Rewards Visa Brings Value and Convenience to You!

The PCU Blue Rewards Visa comes with many great features, including:

  • A low variable rate
  • Low cash advance fees
  • Low transfer fees
  • Text & Email Alerts
  • Automatic payment options and more


Rewards You Can Use

  • Top brands such as Canon, Samsung, Cuisinart, Weber, Sony, Lego, Nikon and Bissell
  • Exchange your personal rewards points for Jewelery, handbags, apparel, luggage, electronics, grills, hammocks, toys, games, outdoor sporting goods, health/fitness items, music, books and housewares
  • Your rewards are also good toward travel! We have discounts on rental cars, airfare, vacation packages, sailing excursions and more


Check out our Rewards Programs to learn more!

Checking Accounts

Type Free Checking Relationship Checking Cashback Checking
Ideal For Members who want a free no frills account Members who keep a high balance and want to be rewarded for those balances with cost-savings advantages Members who use their debit card frequently
Minimum Opening Deposit $50 $50 $50
Monthly Service Fee9 $0

Pay no fee with $750 minimum monthly Direct Deposit or $10,000 in combined balances in the following PCU accounts:

  • Savings
  • Checking
  • Loans
  • Visa and/or Mortgage
Otherwise $10 per month
Interest N/A

Interest Tiers 1
$2,000 - $9,999.99
$10,000 - $19,999.99
$20,000 - $49,999.99
$50,000 +

View Current Rates
Cashback on Debit Card Purchases N/A N/A Cash back to qualified members every time you swipe and sign.7
It’s easy to qualify – each month you need a minimum $200 direct deposit, one online bill payment, 5 debit card signature purchases and eStatements.
Assisted Transfer Fee - Funds transferred within the same member number into your checking account by a PCU Representative on your behalf $5 Combine balances of $10,000+ - Free
Combined balances under $10,000 - $5
Branch/Contact Center Transactions FREE FREE $26
$3 for non-PCU ATM withdrawals and balance inquiries
Find ATMs

Balances over $10,000 - Unlimited Free Usage
Balances under $10,000 - 10 FREE non-PCU ATM transactions per month, $3 for each additional withdrawal or balance inquiry


10 FREE non-PCU ATM transactions per month, $3 for each additional withdrawal or balance inquiry

Find ATMs

Monthly Statements eStatements4 & Paper statements -FREE eStatements4 & Paper statements -FREE eStatements4 - FREE
Paper statements -$5 per month
Mobile Banking FREE FREE FREE
Check Printing Charges apply3 2 FREE boxes of CU designed checks
per calendar year
Charges Apply3
Visa Cash & Check Card (Debit card)5 FREE FREE FREE
Check Copy Images $2 (Free through PCU Online Banking) FREE $2 (Free through PCU Online Banking)
Overdraft Transfer Fee - Automatic transfer made from Share Savings when there are non-sufficient funds in your PCU Checking $5 $5 $5
Overdraft Line of Credit Annual Fee $20 Free $20
Other Benefits
  • Direct Deposit with Early Payday8
  • 24/7 account access via PCU Online, Mobile, Text & Phone Banking
  • Free Travelers Checks, Cashiers Checks and Money Order
  • Direct Deposit with Early Payday8
  • 24/7 account access via PCU Online, Mobile, Text & Phone Banking
  • Direct Deposit with Early Payday8
  • 24/7 account access via PCU Online, Mobile, Text & Phone Banking
1 Annual Percentage Yields (APYs) are subject to change.  2 Does not include other ATM Owner fees i.e. surcharge fees.  3Charge waived for members 55 and older, limit one box per order, two boxes per calendar year.  4May receive paper statement for first month  5Inactive ATM/Cash & Check Card fee is $3.00 if card is not used at least once per month6 No fee for deposits 7 Monthly Cashback bonus of .25% is based on the total amount of net signature-based PCU Cash & Check Card purchases made during any statement cycle.  Purchases authorized with a PIN or ATM transactions do not apply. 8Early payday is dependent upon when the payroll company and/or government sends the funds and for that reason is not guaranteed. 9 Inactive Account Fee - $5 per month if member has checking only with $1,000 or less, there is no activity for 1 year, and member is over age 24.

Contributing to a Health Savings Account

Contributing to a Health Savings Account is easy – and it comes with some great tax advantages.

Who Can Contribute?
  • Employers and employees can contribute to HSA accounts as long as the account holder meets the requirements for HSA eligibility
  • Family members or any other person can make contributions on behalf of an eligible individual
Tax Advantages:
  • Contributions are 100% tax-deductible
  • Funds grow on a tax-deferred basis and if the funds are used for an eligible medical expense, the funds are tax-free
  • Funds rollover from year to year
  • Funds used after age 65 are tax-free for eligible medical expenses or at your normal tax rate for any other reason
Contributions Are:
  • Tax-deductible for the account holder
  • Owned by the account holder and remain theirs until the funds are used
  • Able to be made at any point during the contribution year, up to the individual's tax deadline (usually April 15, just like IRAs)
  •  Contribution limits for 2014 are $3,300 individual and $6,550 family
  •  Catch-up contributions for those 55 and older are $1,000
Deductible Requirements
Year 2014 Year 2013
Single Family Single Family
Minimum Deductible Requirements $1,250 $2,500 $1,200 $2,500
Maximum Out-of-Pocket $6,350 $12,700 $6,250 $12,500
Maximum Contribution $3,300 $6,550 $3,250 $6,450
The deadline for contributions is the same as your tax filing deadline excluding extentions.
For most individuals this is April 15.

Visa Gift Card Terms & Conditions

The following are your Postal Credit Union Visa Gift Card Terms and Conditions. In these Terms and Conditions "you" or "your" means the person who has received the Postal Credit Union Visa Gift Card; "we", "us" or "our" means Postal Credit Union; "Card" means the Postal Credit Union Visa Gift Card. Please read the following carefully and keep them for your records. By accepting and using your Card, you are agreeing to these Terms and Conditions.

Using Your Card

The Postal Credit Union Non Personalized Gift Card is activated upon load, therefore please register your card at My Gift Card website. Please sign the back before you can use the Card.

Your Postal Credit Union Visa Gift Card is issued by Postal Credit Union and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments.

Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined.

This Postal Credit Union Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your Postal Credit Union Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.

Fees and Charges:

  • Value Load and Card Activation Fee: $4.99
  • Inactivity Fee: $2.50 after 12 months of non-usage
  • Card Closure or Replacement Fee: $10.00

Non U.S. Transactions

If a Card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used to determine the transaction amount in US dollars is either a rate selected from Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date.

Your Liability For A Lost or Stolen Card or Unauthorized Transactions

Contact us immediately at 866-902-6082 if you believe the Card has been lost or stolen, or that someone has accessed or may access money from the Card without your permission. You will not be liable for lost value on the Card if you satisfy the following conditions:

• You have immediately called us and reported the Card lost or stolen, which allows us to the status the Card.
• You have signed the Card on its reverse side in permanent ink.

• You inform us of the Card number and the approximate date of your last authorized use.

• Your have not reported two or more incidents of unauthorized use to us in the preceding 12-month period.

• You report all facts of the loss or theft to us and you cooperate in our investigation.

Our Liability for Failure to Make Transactions

We may restrict access to the Card, temporarily or permanently, if we notice suspicious activity in connection with the Card, and we will notify you if we do so. We have no liability for restricting access to the Card because of suspected suspicious activity. Access will be reinstated if we determine that there has been no unauthorized use of the Card.

If we do not complete a transfer from the Card on time or in the correct amount according to our Agreement with you (other than for restrictions because of suspicious activity), we will be liable for the correct amount of the transfer. However, there are some exceptions. We will not be liable, for instance:

• If through no fault of ours, a merchant refuses to honor the Card;

• If through no fault of ours, you do not have enough money available on the Card to make a purchase;

• If the terminal or system was not working properly;

• If the Card is expired, damaged, or revoked;

• If the Card has been reported lost or stolen;

• If the Credit Union has reason to believe there is something wrong, for example, that the Card has been stolen;

• If the transaction information supplied to the Credit Union by you or a third party is incorrect or untimely;

• If circumstances beyond our control (such as flood or fire) prevent a transaction, despite reasonable precautions that we have taken;

• The merchant authorizes an amount greater than the purchase amount.

There may be other applicable exceptions as otherwise provided by state or federal laws.

Error Resolution Procedures

Records detailing the use of your Card are available by calling 866-902-6082. In case of errors or questions about transactions arising from the use of your Card, of if any records you see show transactions that you did not make, call 866-902-6082 immediately. We must hear from you no later than 60 days after the transaction appeared on the transaction activity report. If a good reason such as a hospital stay or long trip prevented you from telling us, we may, at our discretion, extend the period for a reasonable time. In order to help you with your questions, we will need the following information:

• Your name, address, phone number, and Card number.

• A description of the error or transaction you are unsure about and why you believe there is an error or why you need more information.

• The dollar amount of the suspect error.

Once the type of dispute is identified, we will mail you the appropriate paperwork to complete. No other action will be taken until the completed paperwork is received at the address specified in the documentation. Upon receipt of the completed paperwork, we will send you a confirmation letter and begin the investigation. We will determine whether an error occurred within 60 days. If we need more time, however, we may take up to 30 additional days to investigate your complaint or question. If we decide to do this, we will send you a letter. Credit will be given only after it has been determined that it is warranted.

We will tell you the results after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

Closure, Expiration, or Revocation of Card

You may close your Card and receive the remaining balance by contacting 866-902-6082 or by visiting your local Postal Credit Union branch. A fee will apply (see Fees and Charges).

Your Card expires on the last day of the monthly displayed on the Card. At expiration, the Card will be closed and any unused balance will be returned to the appropriate governing body under applicable escheatment laws.

The Card is the property of Postal Credit Union and we may revoke the Card at any time without cause or notice. You agree to surrender a revoked Card promptly upon demand. Upon revocation, any stored value remaining on the Card will be refunded to you less any applicable fees.

Spending Your HSA

Spending the money you’ve accumulated in your HSA is as simple as writing a check or swiping your debit card – but to take full advantage of the benefits, there are some things you should know.

HSA funds are payable on demand. There are no restrictions on when or how you may take distributions. However, to fully recognize the tax advantages, funds must be used for qualified medical expenses.
What Happens To Unused HSA Funds?
  • No use it or lose it rules
  • All amounts in the HSA are fully vested
  • Unspent balances in accounts remain in the account until spent
  • Accounts can grow through investment earnings, just like an IRA
  • Same investment options and investment limitations as IRA
  •  Same restrictions on self-dealing as with IRAs
What Happens When I Reach Age 65?
As of age 65, funds can continue to be used for eligible medical expenses tax-free. You may also use the funds for non-eligible expenses and you are only subject to ordinary income tax without any IRS penalty.