Access Your Cash Any Time or Any Where

The PAFCU debit card is a convenient way to pay for all your purchases, whether you are at home or abroad. Just present your card whenever you make a purchase, and your payment will be automatically deducted from your checking account—no fees or finance charges attached!* Using your debit card makes your transaction faster and easier than writing a check’s safer than carrying cash. A debit card also gives you more options for accessing your cash than an ATM card.

When you use your PAFCU debit card, you can choose debit, credit, or withdraw funds at any ATM machine.  Please choose "Credit", especially if you have our Preferred Checking Account. Remember that funds must be available on your share draft/checking account for any transaction to process. 

Daily withdrawal limits:

• $1,500 per day when used with a signature as “credit”; the card can be swiped up to 15 times each day
• $1,010 per day when used with a PIN as debit; the card can be swiped up to 6 times each day

In the event that the system is down, daily limits may be lowered to the following:

• $750 per day when used with a signature as “credit”
• $510 per day when used with a PIN as debit

Additional fees when using your card overseas apply:

• 1% of the value of the transaction when using your card abroad as a “debit” for purchases.
• When using your card abroad at an ATM, 1% of the amount withdrawn PLUS $2.00 per withdrawal.

Debit Card Referral Form (PDF)

*Transaction fees may apply when using non-Polish-American FCU ATMs or ATMs not participating in the Co-Op Surcharge-Free Network. When using your card outside of the U.S., it is recommended that funds should be available in both your Share/Savings and Share Draft/Checking accounts. This is due to the fact that different vendors have different ways of processing purchases.

Enjoy the Securty and Convenience of Digital Wallet

A digital wallet is a convenient way to store your debit or credit card information, letting you pay for transactions with just a tap of your phone or smart watch.

There's no need to dig through through cards or dig in your wallet or purse.

Using a PAFCU debit card through Digital Wallet technology is quite simple to use:

• Tap and pay with ease. No fumbling - no forgotten wallets.
• Rest easy knowing your info is protected by layers of encryption and advanced security features.
• Pay anytime, anywhere - online or in store, from grocery stores to gas stations (or even your favorite food truck).

Apple Pay  and Google Wallet are secure ways to pay. In fact, they’re safer than traditional payment methods. They send a one-time code to merchants whenever you tap to pay instead of sending your full card number. That code is used to process the transaction. You can also enable biometrics, like facial or fingerprint recognition, to access your digital wallet altogether.

Take advantage of this excellent technology by downloading your PAFCU debit card info with Apple Wallet for iPhones or Google Play for Android phones.

Click Apple Wallet for iPhones.

Click Google Pay for Google Play.

Apple Pay and Apple Wallet are trademarks of Apple Inc. Google Pay is a trademark of Google LLC. Click to Pay is a trademark owned by EMVCo, LLC.