Convenience Services

Cash & Check Card
Early Pay Day
Overdraft Protection
Online Check Reorder

Cash & Check Card features:

• Purchases are deducted directly from your checking account, meaning you can write fewer checks.
• Use your Cash & Check Card anywhere the Visa Debit Card is accepted.
• FREE transactions at PCU-owned ATMs.
• Surcharge-free transactions at Star, Instant Cash or CO-OP Network ATMs.*
• 24 hour access.
• Make deposits or withdrawals from savings or checking.
• Much more!

Your card is FREE with a PCU Checking Account.

The card must be used at least once in a month with Free & eMember Checking to avoid a monthly inactive fee.

Skip the ATM and get cash at participating merchants

Shop and get cash back all in one fell swoop. Now at participating merchants, you can get cash back right at the checkout, saving you a trip to the ATM. Simply swipe your Cash & Check Card, select ‘debit’ instead of ‘credit,’ and enter your PIN, it’s that easy.

Don’t know your PIN?

Call or visit us right away to get one assigned to you.

More secure & convenient

Making purchases as ‘debit’ transactions does not require a signature. Instead, you have to enter your PIN, which only you have access to. Plus, avoid paying ATM-surcharge fees when getting cash back at the merchant. It’s a win-win!
The multi-purpose Cash & Check Card allows you to make purchases from your checking account, as well as conduct transactions at any ATM. You don't ever have to worry about carrying your checkbook.

Don't forget - if you have a PCU Cash & Check Card and are planning to travel outside the U.S., make sure to let us know when and where you'll be traveling. Due to heightened debit and credit card security, your PCU card(s) may not work in foreign countries (including Canada and Mexico) if you do not contact us in advance. Simply call 651-770-7000 or 800-247-0857 during normal business hours and we will put a note on your account.

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*PCU withdrawal charges may still apply on Free and eMember Checking accounts.

Early Payday

When you set up Direct Deposit of payroll, or other income (Social Security, pension, etc) into your PCU Checking account, Early Payday provides immediate access to your deposit - up to two days earlier - based on when PCU receives the funds.


Sign up for Direct Deposit by completing this form and giving it to your employer's payroll department for processing. Start enjoying Early Payday today!

Overdraft Protection

Never worry about overdrawing your checking account again. PCU has several options to protect you. Ask a representative for information in order to determine which option is best for you.

Online Check Reorder

PCU makes it easy to reorder checks. You'll need the reorder form found in your checkbook which contains a unique 12-digit Reorder Identification Number (not your account number) and the start number. Reorder the same check design or choose a different style.

Please note: all name and address changes must be done through PCU. Reorder checks now!

ATM Locator