Welcome PATA members!

We would like to welcome our new members from PATA. This weekend we will be processing the database merge. PATA members may conduct business until the end of day on Friday, January 14th, 2022, however we will not be able to perform any transactions for the former PATA members on Saturday, January 15th, 2022. Sorry for the inconvenience!


We would like to welcome all of the former PATA Credit Union members! Over the weekend of 1/15/2022, we will be merging our systems. We are expecting an easy transition, however, intermittent outages may occur during this process. We apologize in advance for any inconvenience this may cause and we appreciate your patience.

For the members who would like to set up home banking or our mobile app, we will have a special number for you to call to help you get these services set up. The phone number is (844)730-6848 and it will be available from January 17, 2022 thru January 21, 2022 for assistance.

We would also like to give a big welcome to Maureen Wheeler! She is the former Mgr/Ceo of PATA Credit Union. She has been working with us since October and she is a great addition to our staff!

Supervisory Audit

During the first quarter of 2022, the Supervisory Committee will be conducting an audit of accounts. If you have any questions or concerns regarding your account, you can submit an inquiry to the Supervisory Committee Chairperson as follows: Erin Shoemaker, Supervisory Audit, 2750 Grant St, Lower Burrell, PA 15068.

Scholarship Contest

The Allegheny Kiski Valley Chapter is again sponsoring a College Scholarship Program. Applicants must be attending college, business, technical or trade school in the fall of 2022 and be a current credit union member in good standing to be eligible. Up to four $500 scholarships will be awarded. Deadline is February 5th, 2022. Stop in or call for more information and to get your application!


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 $1500 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.

Notice of Change of Terms to our Funds Availability Policy

Effective July 1st, 2020, the credit union is required to provide the following:

  1. $225 for next day availability for all instances where it was previously required to provide a minimum of $200.
  2. In addition, the $5,000 availability requirements for holds on new accounts, large deposits, and repeat overdrafts will increase to $5,525.
  3. 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.

How does Reg D affect me?

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.


What is Regulation 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.