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ATM Withdrawals Issues - We are aware of the issue that certain ATMs that you may have used in the past are not accepting our new debit cards. We apologize for the inconvenience this is causing and we are working diligently with our card processor to get this issue resolved as quickly as possible. Until the issue is resolved we recommend getting cash back at retailers or using the Shared Branching network to make a withdrawal of cash from your account.



Introducing CardValet!
Your Card on Your Terms. Get the mobile app that puts you in control! CardValet lets you:

- Turn your debit or credit card(s) on and off
- Receive alerts when your card(s) are used, approved or exceeds the transaction controls set by you
- Stay informed of potential fraud with alerts on attempted, declined transactions
- Get real-time balances for your accounts
- Establish transaction controls for dollar amount limits, merchant categories and geographic locations

Download the app today for your Apple iOS or Google Android device!


Regulation D: Savings Account Limitations
Regulation D is a federal regulation that places certain limits on the number of transfers or withdrawals members can make from their share savings and/or money market accounts (non-transactional accounts). Please Note: Federal Reserve Regulation D (amended in 2009) is a directive of the Federal Government, not of PALCO Federal Credit Union, and applies to all financial institutions.

You may NOT make more than six (6) withdrawals or transfers per calendar month from your Savings Account. Transfers or withdrawals, for purposes of this limit, include preauthorized, automatic transfers (including but not limited to transfers from your savings for overdraft protection or for direct bill payments) and transfers and withdrawals initiated by telephone, facsimile, or computer. A pre-authorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse (ACH/EFT).

If you exceed the transfer limitations in any statement period, the transfer will not be completed. For further explanation and tips on how to avoid reaching the limitation, please see Share Savings Limitations.


Going on a trip? Call us first!
To protect against theft and unauthorized use of your credit and debit cards we monitor you card activity. If a suspicious activity is noticed, we will need a way to contact you while you're on the road - just to confirm the transaction was indeed yours.

Before your trip: Call our office to let us know the dates of your trip and where you'll be traveling to. Make sure that we have the correct phone number or cell phone number on file to contact you while you're out of town. If you receive a phone call from PALCO's Fraud Service Center about possible unauthorized use, please respond as soon as possible. It may be necessary to place a temporary hold on your card if we are unable to verify suspicious transactions with you. If you find that your card has been temporarily suspended, simply call the number directed by the Fraud Service Center to remove the hold.


Find a Surcharge-free ATM
 
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