The Credit Union will begin holding a monthly drawing beginning March 3rd. Member must fill out an entry form when you complete an in-person transaction on your account. Members are limited to one entry per day per account and must be a member in good standing*.
1st prize: 43″ FLAT SCREEN TV LED HDTV
Winner will be drawn and notified on April 1st, 2021.
*ineligible accounts are but not limited to: any account which is delinquent or has a negative balance
Cash apps have become a popular way to move money from one account to another. But just like any other online financial transaction, there are scammers and fraudsters working to take your money. In order to protect our members and the Credit Union from fraudulent activity, when using a cash app, the funds may not be immediately available to you. The day of the deposit, $200 will be made available to you, however, the remaining funds may not be available for 1-3 business days. This availability is the same for ATM deposits.
In August, the Credit Union issued new debit cards to replace existing cards. There are a few differences with the new cards. Daily limits are $500 for cash withdrawals and $1000 for Point of Sale transactions. There is also a limit of 10 transactions per day with your card. We put these limits in place to protect our members and the credit union against fraud.
If you need to change your pin #, please call 1-866-985-2273 from the primary phone # listed on your account. If you suspect fraud activity, please call 1-888-918-7313. If PSCU fraud dept. suspects fraud activity on your card, they may put a temporary block on the card until they can verify transactions with you.
As always, please keep your account updated with your current address and phone # so that we can contact you if need be and any card reissues will go to your correct address.
Remember to contact us if you will be traveling or spending out of your normal spending habits so we can put a memo on the account to avoid declines.
Effective July 1st, 2020, the credit union is required to provide the following:
- $225 for next day availability for all instances where it was previously required to provide a minimum of $200.
- In addition, the $5,000 availability requirements for holds on new accounts, large deposits, and repeat overdrafts will increase to $5,525.
- The $400 Rule has been increased to $450. On the day that funds become available for withdrawal, we may limit to $450 the amount of cash that the member may withdraw. This change was due to statutory inflationary requirements.
Regulation D will restrict you to six transactions from your savings account per calendar month based upon the type of transaction requested and method used to request them. Here is a list of the different types of transactions that are affected by Reg D.
Transactions limited to a total of 6 withdrawals or transfers per month:
- Online banking and mobile banking transfers between your accounts,
- Automatic transfers, including those for overdraft protection,
- Transfer made over the phone,
- Any pre-authorized automatic withdrawal,
- Any checks to a third party from your savings
What happens if I exceed my limit of 6 transactions for the month? We may reject your transaction and be forced to close your account.
How can I stay within my limit? If you need to perform more than 6 withdrawals or transfer, consider opening a free Share Draft account. Upon approval, your first 50 checks are free. The are no monthly maintenance fees and you can also apply for our NO SURCHARGE ATM/DEBIT card. Please contact us if you have any questions or concerns on Reg D.
When it comes to transactions, all accounts are not created equal. There are “transaction accounts” like share draft accounts (known as checking accounts) which offer unlimited transactions of any type or form. Then there are “non-transaction accounts” like share accounts (known as a savings account). Regulation D (Reg D) of the Federal Reserve Bank limits the number of certain types of withdrawals and transfers which can be made on share accounts to a total of no more than six each month. This monthly limit is based on when the transactions are posted to your shares not when you authorized the ACH transaction.
Worried about traveling in your current vehicle? Unsure if you can safely get to and from work without a breakdown? Then consider financing a new or used vehicle at the Credit Union! New auto loan rates start as low as 2.99% depending on your credit score. Our used auto rate starts at 3.99% depending on your credit score. Any used vehicle must be 7 years or newer and we lend according to the NADA loan value. Call with any questions you have or come in to apply today!
We also work with Enterprise Car Sales to help find the perfect vehicle for you! If you’re looking for a quality used vehicle, they are the place to go! We will finance, if approved, 100% of their selling price! Check out the cars available on the website www.enterprisecarsales .com or call 1-800-227-7253.
If you have home banking with us you can now access your account with our mobile app! Once logged into home banking, go to manage account tab and go to “activate mobile device”. You will then need to name your device and get your activation key. From your app store, download our app (Allegheny Kiski Postal Federal Credit Union) onto your device. Enter your account number and the password you use for home banking, then enter your activation key and you should be in! If you will be doing mobile deposits, you will also need to allow camera permissions and contact us to allow mobile deposits on your account.
The most important step to do when you are submitting a check thru mobile deposit capture is to endorse the back of the item. The endorsement must read For Mobile Deposit Only Allegheny Kiski Postal FCU along with your signature.
For a full listing of the guidelines or if you have questions, please give our office a call at (724)337-3717.
If you have a vacation planned or a quick weekend getaway and plan to use your debit or credit card, give our office a call before you go. We will put a travel notification on your account to avoid declines while you are away. Otherwise,our fraud department may put a temporary block on the card until they can verify transactions with you. This would also apply if you will be spending out of your normal spending habits.
We now have another way to may paying your VISA more convenient! We are now able to take your VISA payment in our office. Members can bring it in, mail it to our office with payment stub or call us to transfer the funds from your account. You can still access the PCUA payment site thru our website, mail in to the payment center or set up a bill pay.