Frequently Asked Questions (FAQs)

Frequently Asked Questions (FAQs)




How do I set up mobile banking?

Follow the simple steps found here to sign up for and set up your mobile banking.

How do I set up online banking?

Follow the simple steps found here to sign up for and set up your online banking.

How do I set up access to my PCT Rewards VISA?

Visit the PCT Rewards VISA Login Site and follow these simple steps:

  • Click the “Enroll” button
  • Submit your account number
  • Answer security information and questions
  • Create your username and password

You can also reach the PCT Rewards VISA Login by visiting, clicking “Login” and choosing “Credit Card.”

What is uChoose Rewards and How do I set up my uChoose Rewards?

Register your PCT Debit and/or Visa Credit Card with uChoose Rewards and you’ll earn 1 point per $2 on all of your purchases! If you haven’t yet registered, follow these simple steps to start earning rewards and redeem past rewards:

  1. Go to, hover over “Login To Account” & select “uChoose Rewards”
  2. On the uChoose Rewards page, click “Register” on the right hand side of the screen
  3. Enter your 16-digit Debit or Visa card number, your personal information & create a username and password
  4. Accept the uChoose Rewards terms
  5. And you’re all set! Your account is now open!

You can log into your uChoose Rewards account to track and redeem your points. You can even redeem points to use for your holiday shopping and gift purchases! Start earning rewards and redeeming them for gifts, travel, gift cards and more!

What is the routing number?


How do I reorder checks?

Quickly and securely reorder your checks online with online check reordering. Have your routing number, account number and next starting check number ready. You can also call us at 508-291-0777 to reorder your checks.

How do I request loan payment coupons?

Call 508-291-0777, ext. 251 to speak with a member of our Lending Team, or email us at

Where do I apply for a loan?

You can apply for a loan with us online! Click the following links to apply online today.

Or you can apply in person by visiting our Main Office at 2203 Cranberry Highway, West Wareham, MA or you can call us at 508-291-0777.

What are PCT’s holiday closures?

You can find a list of our holiday closures here.

What are the credit union’s hours and locations?

You can find a list of our locations and hours here.

Does the credit union give out scholarships?

Yes, the credit union offers annual scholarships for community high school seniors. Learn more about our scholarships here.

Is the credit union insured?

As a member of PCT Federal Credit Union, you can rest easy knowing that your funds are safe and secure as deposits in the credit union. PCTFCU is financially sound and your deposits are safe and insured up to $250,000 by the NCUA and we also provide additional insurance through MSIC. The safest place for your money is with the credit union.  We are committed to ensuring the safety of your deposit funds with the credit union. For additional information about MSIC insurance, visit and for additional information on NCUA share insurance coverage, visit

How can I schedule an in-person appointment with PCTFCU?

Our drive-up continues to remain open for transactions and we are offering curbside banking. However, if you do need an in-person appointment at the credit union, we are open for appointment-only service. If you need to interact with us in-person at PCTFCU, we kindly ask that you schedule an appointment online by clicking here. Thank you and we appreciate your patience during this time!

How are Bill Pay payments made, electronically or by check?

Depending on the type of bill, some payments are sent by check and some are sent electronically. When viewing your bill pay account or payments section of bill pay online, it will list how the bill is paid in a teal oval underneath each bill payment.

Does PCT offer Notary Services?

Yes, PCTFCU offers notary public services to all of its members and community. A notary administers oaths and acts as a public officer to the residents of the Commonwealth of Massachusetts. A notary public’s primary duty is to witness your signature for contracts, CORI forms, estate planning documents, and other official papers. PCTFCU provides this service for our members free at our branch during normal business hours. You can also make an appointment to have documents notarized using our online appointment scheduling system.

IMPORTANT: To have a document notarized, please be sure the document is unsigned and that all signers bring photo identification such as a valid passport or valid state issued identification card.